Factors you can influence
- Driving record. Accidents, tickets and DUIs raise rates for several years. A clean record is the biggest lever you control.
- Coverage and deductibles. Higher limits cost more; higher deductibles cost less.
- Your vehicle. Repair costs, theft rates and safety ratings all affect the price.
- Annual mileage. Driving less can lower your rate, and some insurers offer low-mileage or usage-based programs.
- Continuous coverage. A gap in insurance can lead to higher rates when you buy again.
- Discounts. Bundling auto and home, paying in full, safe-driver and good-student discounts can add up.
Factors you can’t easily change
- Where you live. Traffic, theft, weather and repair costs in your ZIP code matter.
- Age and driving experience. Newer and younger drivers usually pay more.
- Credit-based insurance score. Used in most states to help predict claims; a few states limit or ban it.
The fastest way to lower your rate
Insurers weigh these factors differently, so the same driver can get very different prices from different companies. That’s why comparing quotes — especially at renewal or after a life change like moving or buying a car — is often the quickest way to save.
Frequently asked questions
Why did my rate go up with no accidents?
Rates also change with repair costs, claims in your area and changes in how your insurer prices risk. Comparing quotes at renewal shows whether another company would price you lower.
Does my credit affect my car insurance?
In most states insurers can use a credit-based insurance score as one factor. California, Hawaii, Massachusetts and Michigan limit or ban its use for auto insurance.
This guide is general information, not insurance or legal advice. Coverage and requirements vary by insurer and state.