What Factors Contribute To High Car Insurance Premiums? 
The answer is rather simple on the surface . The state you live in , the rating territory , the type of vehicle including year , make and model , the number of miles driven to and from work one way , the annual miles you drive , the age of the driver , the marital status of the driver , the driving history of the predominate driver -LRB- and other drivers in the household -RRB- , and the overall success of your insurance carrier at underwriting for a profit in you territory or state . Do n't overlook the influence of the required coverage for your state . There are so many influencers but this hits the high points in brief . 