How does the insurance company determine my premium?

How the insurance company determines your premiums depends on a few different variables. Auto insurance companies often consider your age, gender, ZIP code, and driving record to determine your rates. However, it's illegal to use gender or age in some states when pricing insurance policies. So, it can pay to shop around with multiple companies to find the most affordable auto insurance rates.

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UPDATED: May 10, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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