How do you determine my auto insurance rates?

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 3, 2021

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There are countless things that can play a role in determining your insurance premiums.  Different companies have different methods of calculating risk and deciding your rates.  The main things that pretty much every insurance company will look at include: your age, your gender, your driving record, where you live, and what car you drive. actually has a lot of articles regarding this subject, including:

  • Twenty Things That Can Affect Your Car Insurance Costs – In this article we look at some of the major factors that are involved in determining your premiums. When it comes to things that can decide your rates, we show you ten things that you can control and ten things that are beyond your control.
  • Why do my insurance rates go up?  In this article, we look at some of the reasons your insurance rates may increase, including changes in your driving record, your vehicle history, and your credit score.

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