Many different factors are used to calculate car insurance rates, including:
Your location: The state you live in has a huge impact on the cost of car insurance due to minimum coverage requirements, etc.
Your age: New, younger drivers pay quite a bit more for car insurance due to their risk level, as do senior drivers, when compared to middle-aged drivers.
Your driving record: Cleaner driving records, with no history of accidents or traffic violations, result in lower car insurance rates.
Your vehicle's type and value: The make and model of the vehicle, as well as its current replacement value, impacts your coverage rates, as older, cheaper cars are less expensive to repair, replace, and insure.
Your claims history: The number of claims you've filed on your car insurance within the past few years impacts your premiums, and car insurance costs tend to skyrocket after filing even one claim.
It might seem difficult to determine how much your car insurance will cost just thinking about how these factors apply to you. However, you can still get an idea of the average car insurance rates you can expect to pay.