How does an insurance company determine insurance rates?

While it varies from insurance company to insurance company and from state to state, generally, the following factors will determine your insurance rates: · where you live and where your car is garaged · the year, make and model of the car · how you use the vehicle and how many miles you drive a year · driving records of you and other drivers in your household · the age of the drivers in your household · gender and marital status of the drivers · number of years of driving experience · any applicable driver and/or vehicle discounts · the number of vehicles being insured · your credit score  more