Car insurance is a mine field of claims(no pun) and counterclaims. Whining idiots in ads that probably reflect how insurance companies actually feel about their customers, and hey-look-over-here distractions to keep you from knowing how they determine your rate.
Rate, why not say cost or price? They're rating you, handicapping you like a race horse.
I found a pdf from the Zebra.com and pulled some charts from it, but first ride share insurance.
Keep in mind theses are all averages, your rate will vary.
Like everything else, it's going up like a skirt over a subway vent.
But then so is your age.
And hopefully your credit rating. Credit rating, WTF?
However some states, especially CA, have outlawed using certain things like credit rating and how long you've had a policy, to set your rate. So if you live in one of those evil states the glorious free enterprise insurance companies are forced to charge you the highest rate.
Where you live matters...a lot, but those features the car builder raved about and you paid extra for, don't impress the insurers. They view them as more expensive to fix or replace.
Oh, and claims will boost your rate... duh.
You know all those red light and speed cameras that are bringing in millions of dollars for government and the camera companies? Peanuts, yes peanuts compared to what the insurance companies are reaping(raping?) from those cameras.
Of course what you drive matters too.
Of course a lot more comes into play if you're dealing with a local agent, like if he slept well, are his kids in collage, phase of the moon, and depth of cleavage.
Happy Motoring.