* Your driving history: Accidents, tickets, and DUI convictions drastically increase premiums.
* Your age and gender: Younger drivers and males generally pay more.
* Your vehicle: The make, model, year, and safety features of your car affect the cost. Expensive cars are more expensive to insure.
* Your location: Insurance rates differ across California due to varying accident rates and crime statistics. Larger cities tend to be more expensive.
* Your coverage levels: The amount of liability, collision, comprehensive, and uninsured/underinsured motorist coverage you choose will directly impact your premium. Higher coverage means higher premiums.
* Your credit score: In many states, including California, your credit score is a factor in determining your rates (though this is controversial and subject to change).
* Your driving habits: Some insurers offer discounts for telematics programs that track your driving behavior.
To find out how much *you* would pay, you need to get quotes from multiple insurance companies. You can do this online through comparison websites or by contacting insurers directly. Be prepared to provide the information listed above.
