Car insurance costs are determined by several factors, including the driver’s age, driving history, and location. Younger drivers or those with less experience tend to face higher premiums due to a higher risk of accidents. A clean driving record with fewer claims or violations can lower costs, while a history of accidents or traffic tickets may increase premiums. The type of vehicle also plays a significant role; luxury or sports cars often cost more to insure due to higher repair or replacement costs. Additionally, the coverage level chosen—whether basic liability or comprehensive protection—affects the price. Your credit score, marital status, and even the number of miles driven annually can impact rates. Insurers also consider the area you live in, as locations with higher rates of accidents, thefts, or weather-related damage tend to result in higher premiums. Finally, discounts for bundling policies or maintaining safety features can reduce the overall cost.