“Most states require car insurance by law. What you pay will depend on a combination of demographic factors, vehicle specific factors, and your personal driving habits. For example, your age, gender, marital status, profession, credit score, and where you live make up some of the demographic factors. Car-related factors include the age of your vehicle, the cost of the vehicle (what it would cost to replace), and the likelihood of theft of that vehicle (some cars are stolen at much higher frequencies that others). Personal driving habits include how often you drive, where you park your car, and your driving history (accidents, tickets).