What Factors Affect Auto Insurance Rates? 
There are many things that the insurance industry uses for rating factors . Your age your credit your driving history . In some states your sex also plays a factor in rating . In Montana the rates are not affected by your sex . Also some states being married or single makes a difference also . The biggest rating factor with many carriers are the amount of claims and accidents and population in the area you live in . Example would be here in the town I live in there are many DUI and accidents but 22 miles away in a smaller town and les accident and claims the rates are lower . 