Short answer
Usually, yes. Insurance pricing and wording are regulated state by state, and California is the state that stands out for higher pricing, modified policies, or both. If you're heading to California, consider getting a policy before you move.
A short clip from his webinar for residents and fellows, with captions.
Watch the full webinar from 11:28Why the state matters
Insurance pricing and wording are set state by state. I'm a broker and work with different companies, each with its own nuances, but California is consistent: most companies charge a surcharge there, modify the policy, or both.
Three situations
Moving to California. Strongly consider getting the process going before you move.
In California now, matched somewhere else. I'm never going to tell you to wait. Compare what the policy looks like if you get it now with what it would look like in your new state in a couple of months, then decide.
In California now and staying. You'll likely just have to grin and bear it.
Where Jay covers this
Jump to each moment in his webinars.