§01About the vehicle
Make, model, age, safety features, repair costs and theft rates can all matter. A car that costs more to repair or is stolen more often tends to cost more to insure.
§02About the drivers
Age, experience and driving record are common factors. Recent accidents or violations can raise prices for a period of time. In many states, other factors such as a credit-based insurance score may also be used, and a few states limit that practice.
§03About where and how you drive
Your ZIP code, where the car is parked overnight, how many miles you drive and whether you commute can all play a part, because claims patterns differ from place to place.
§04About the policy itself
Higher limits, lower deductibles and extra coverages generally increase the price. Some insurers offer discounts for things like safety features, bundling, or driving programs, and they differ widely.
§05What you can and cannot change
- Can influence: coverage choices, deductibles, mileage, safe-driving habits, how vehicles are kept.
- Cannot easily change: your age, your past record, your neighborhood.
Rules and rating factors vary by state, and each company decides its own formula.
General information only. Torquelo is not an insurance company, agency, or broker, and this is not insurance, legal, or financial advice. Details vary by state and by policy; check with your own insurer, agent, or state insurance department. Updated October 30, 2026.