Auto insurance premiums are determined according to a rich stew of variables that include one’s driving record, age, gender, marital status, credit rating, the make and model of car driven, and the policy holder’s address. While the most volatile of these is usually a motorist’s claims history and driving record – as evidenced by how much one’s rates can rise after getting into an at-fault accident and/or being issued multiple moving violations – where one lives can make a surprising difference in premiums.
