What is considered "premium" varies by region of the country, and altitude. Generally, at lower altitudes, premium will be 92 or higher. But in California, it seems that the highest available is usually 91. In the Rockies, I believe the highest available is usually around 91.
I believe the reason why California is only 91 is that they are trying to lower the percentage of high octane aromatic compounds in gasoline. As for higher altitude areas, the higher the altitude, the thinner the air, and the lower the octane requirement. Oil companies have been cheapening out their product for decades in the higher altitude areas.
If the spec for the car is 91, and the choice at the pump is 89 or 93, use 93.