Bingo, they left out one of the biggest factors. Drivers with car insurrance have to pay higher rates the more uninsured drivers in their areas. The insurance companies know where there is large numbers of the uninsured.
That is why many poorer folks who need insurance end up paying higher premiums than more wealthy people that live in areas with fewer uninsured drivers.
That might explain why there are so many cars on the road in Kansas with expired tags. Other than it costs more to register a vehicle in Kansas than any other state, you need to show proof of insurance. These people can’t afford the insurance, therefore no registering.