Guides / What sets your price
What affects your car insurance premium
The common rating factors, and which ones you can change.
Insurers use many factors to set prices, and the allowed factors vary by state. Some you can influence; some you can't.
Factors you can influence
- Coverage limits and deductibles
- Your driving record over time
- The car you choose to drive
- Annual mileage
- Discounts you qualify for
- In most states, your credit history
Factors that are harder to change
- Where the car is garaged
- Age and driving experience
- Claims history in recent years
State differences
Some states limit or prohibit certain factors. For example, a few states restrict how insurers can use credit history, gender or occupation. Your state insurance department explains the rules where you live.
Educational information, not insurance advice. Discounts and rules vary by state and insurer; ask your insurer about your policy. Secure Motors is not an insurer, agent or broker and takes no commissions.