Car insurance costs are calculated with complex formulas. Here’s what really affects your premium and what you can do to influence the final number Written By Written by Insurance Senior Editor, Buy ...

Learn what a car insurance premium is, how it's calculated, and tips to reduce your costs. Discover ways to get the best car insurance rates.

LOS ANGELES, May 15, 2025 /PRNewswire/ -- Prices for just about everything are on the rise these days, and unfortunately, that includes car insurance. Now more than ever, consumers are looking for ...

Uncontrollable Factors: Age, gender, and location (urban vs. rural) are key factors that affect insurance rates but are beyond your control. Controllable Factors: Driving history, vehicle type, and ...

When it comes to car insurance, men typically pay more than women, especially those who are teen drivers. Insurance companies base premiums on risk, and statistics show that men are more likely to ...

Age, driving history, vehicle type and where you live are the primary factors that influence insurance premiums. Variables such as your credit history and marital status can also affect your rate.