Almost all drivers must carry a minimum amount of car insurance to drive legally. There is no standardized amount each driver pays. Car insurance companies use many factors to determine how much your auto insurance premiums will be. These factors include your vehicle type, driving record, claims history and the state you live in, and may also include your age, gender, credit score and ZIP code depending on your state’s auto insurance regulations. Knowing the factors that impact your cost of car insurance may help when comparing auto insurance quotes and reviewing policy renewals.