Car insurance is based on risk. The higher the perceived risk, the higher the cost of the insurance. Car insurance companies have many factors that impact the cost of the insurance. The main ones are:
Age: Generally the older you are, the cheaper the insurance.
Value of Car: Generally the more expensive the car, the more expensive the insurance.
Location: Insurance companies look at how many claims are made in each town. The more claims made in your town, the more expensive the insurance.
Your Driving History: Generally the longer that you have been driving the cheaper the insurance, however this will also be impacted if you have to claim on your insurance. Your insurance will be more expensive with te number of claims that you make.
Type of Insurance: As above, depending on what type of insurance policy you have will directly impact the price that you have to pay.