There are Three Factors That Determine Your Rates
The first factor is your credit report. A credit report is a contains your credit history as reported to the credit reporting agency by lenders who have extended credit to you. Credit companies can look at your credit report to decide what to place your rates at. The worse the report is, the higher they will set your rates.
The second factor that can contribute to higher rates is your driver history. When your history makes you a high risk customer, your rates will typically be higher and more expensive. If you have few accidents, tickets, etc, then that means you have a good driving history.
Sometimes, your age, gender, and martial status can determine your rates. If you are a new or inexperienced driver, your rates may be high since you are at a high risk. Sometimes gender can play a role but not often.