What Are The Typical Rating Factors?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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In addition to your driving history, the following factors apply:

1. type of vehicle (model, year, and value): Statistics show that the accident rates are different for different cars. Some kinds of cars are also more expensive to repair.

2. how you use the vehicle (i.e., pleasure, work): Using your vehicle for work will probably increase your premium.

3. age, sex and marital status: Older drivers, female drivers and married drivers statistically tend to have better driving records. Therefore, they tend to have lower premiums.

4. where you live: Some states have higher accident rates than others. In particular, states with high population density tend to have more accidents. Other local factors, such as the type of insurance system in the state, also affect insurance rates.

5. prior insurance coverage: Being a new driver, or a driver with no previous history of insurance coverage, will probably mean higher rates.

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