Drivers under the age of 30 tend to be at higher risk of having an accident than those drivers above the age of 30.
Young men tend to get into more accidents than young women.
The number of years of driving experience, and the number of miles driven annually also factor into the cost of insurance. The monetary value, weight, size, and age of the driver's vehicle are included in determining the cost of insurance. The accidents that more massive vehicles find themselves in, tend to be less physically damaging to that vehicle and its driver. The opposite is tends to be true for smaller, lightweight vehicles. More valuable vehicles, especially those with expensive parts, tend to cost more to repair, and thus tend to have costlier insurance.