Glossary term
Rating territory
Rating territory: A geographic area with its own base rates, set from local claims experience.
Where this term matters
Guides and entries on this site that use the term.
Guide
Why Car Insurance Went Up With No Claims or Tickets
The reasons a premium rises when your record is clean: base-rate increases, territory re-rating, lost discounts, age-band changes, credit shifts and vehicle symbol updates.
Guide
How Your ZIP Code Affects Car Insurance
Why the same driver can pay twice as much in one ZIP code as in another: territory rating, urban density, theft, weather, litigation and uninsured drivers.