B
SXS insurance (like snowmobile insurance) is state based on size of pool of units. In Midwest there are a lot of units used in farming, so rates are low. My freind in California pays 3 times what i pay in Iowa for similar value unit (Yamaha). Since there are not many snowmobiles in Iowa anymore, we pay 2 to 3 times more than guys in Minnesota with same sled. Irritating but not a lot can do about it. My sled cost 1/2 as much as my Talon, gets used very little, and insurance costs 4 times as much for same limits (& Talon has extra coverage for accessaries)