Is that for third party only though? Perhaps also confounded by higher-prices of cars in cities vs rural areas when you do crash into something = higher costs.
From what I've seen, collision coverage tends to be used for cases where you made a mistake and need to get your own vehicle fixed. Generally all the coverage sections will get more expensive when you move to a more densely-populated area but the from the cases I've seen, collision coverage will tend to be significantly more expensive in Chicago than southern Illinois.
