Your driving history including at fault accidents and moving violations within the past 3 to 5 years.
The age, gender, and marital status of the of the driver(s). Younger inexperienced drivers ages 17 to 25 in addition to senior drivers over the age of 65 will pay more.
The location where you live. Urban areas with more available drivers and greater number of accidents will pay more.
The type of vehicle you drive, the annual mileage you drive and the model year of the vehicle.
Credit based insurance scores while not the sole factor, are used to determine premiums.
The amount and type of coverage you need; it is interesting to note however, that in some cases lower liability coverage may cost more money.