Auto insurance rates are determined by multiple factors, including coverage, driving experience, driving history, zip code, and that the insured vehicle. All these and many other variables to determine the premium on a car insurance policy.
The coverage varies according to the limitations and coverage options. Some examples of this would be if a consumer to buy a single policy, or multiple; liability only, or full coverage. So having lower liability limits will make your premium less, but it raises your exposure if you have an accident that goes over those limits. If you have a higher deductible, you will have a lower premium payment, since you as the consumer is carrying a heavier weight of any potential loss. I'm a big fan of having a lower comprehensive deductible, and a higher collision deductible. Meaning if it's my fault I will pay more, but in the event of something happening to me that I couldn't do a darned thing about, I pay less, or potentially-Nothing. (I prefer nothing since I get a lot of windshield time).
Some of the biggest factors that determine the premium is experience of operators have license and driving history. Less experienced drivers and the customers who have moving violations have historically caused more accidents. Insurance companies need to charge the appropriate premium for the amount of risk involved in insuring their customers. As a result, these drivers usually pay a higher premium. The key metric is 3 years. More than 3 years of driving experience= lower insurance premiums. 3 years after an accident or ticket, the violation drops from charging, depending a bit on the state, and the violation, major ones can potentially count for 5 years.
What it is, and where it is:
The vehicle is insured and the area that the vehicle is parked is also an important factor. Premiums for vehicles will parallel physical damage to the vehicle's value. Meaning; the more expensive the vehicle is higher the premium will be (2014 Aston Martin will cost significantly more than a 2004 VW Jetta). The address of the garage the vehicle itself varies depending on the region or postal code the vehicle is kept. In general, rural areas have a lower premium than most metropolitan areas. Insurance rates are based on historical averages and when creating a table rating review of accident insurance and flight frequency. Densely populated areas have more theft and medium collision. Albeit, no one has ever moved to get their insurance cheaper. But its something to be aware of.
In conclusion, the auto insurance premium varies with the historical average and statistics. Price charts are created to ensure that the higher the risk the insurance company the higher the premium on the policy will be. Find yourself an local insurance agent/broker, who can give you solid advise and build a policy around what's important to you. Once all your coverage needs are satisfied, price is a secondary consideration!