Typical Rating Factors

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Your driving history is an important factor in deciding your rating along with others. The type of vehicle, (year, model and value) is looked at also. Some cars cost more to repair and data shows that accident rates are different for different cars.
The way you use the vehicle is another consideration. If it is for work, that will probably raise you premium. Even your age and marital status will effect your rating. Older drivers and married drivers tend to have better driving records on their driving history. This fact will allow them lower premiums. Where you live is also considered. Some states will have higher accident rates than other states, for example, high population density will obviously have more accidents. Also affecting insurance rates are local factors, like the type of insurance system that is working in that state.
Your prior insurance coverage will be looked at also. If you are a new driver or you have no previous history of auto insurance coverage, you can look forward to higher rates also.  New drivers are new are the streets and just beginning to drive in traffic and will take time to get used to it, like we are were at one time. So this might be one of the most important factors used to decide the amount of your auto insurance.