Your Insurance Agent can help you estimate your premiums based on cars you are looking at. Men have more accidents than women. Married drivers tend to have fewer accidents. You are charged for all violations going back those 3 years. A family type sedan will get a much better rate than a sports car.
More expensive cars are costlier to repair than economy cars.
My experience is the theft potential of sports cars drives up the rates of those cars. Rate goes up. How you use your car plays a factor in determining your ultimate rate. Where you live is a big factor in the rate of your auto insurance. Larger cities tend to have more accidents than smaller more rural areas.