Deductibles lower the price by shifting part of a loss to you. What kind of car you drive affects how much you pay, since coverage on your vehicle depends on its value. Generally, the more expensive the car, the more you pay. Your loss probability. Premiums are based on individual characteristics that affect your likelihood of having a loss.
Drivers tend to have more losses if they live where there's a high rate of accidents or vandalism.
Generally, urban drivers pay more for insurance than those in small towns or rural areas. How much you drive. The chance of an accident generally increases as driving increases. People who use their car for business and long-distance commuting normally pay more than those who drive much less. Your age, sex and marital status.