Insurance premiums aren't random — they're calculated by sophisticated models that predict how likely you are to file a claim. Here are the eight factors that have the biggest impact on what you pay.

1. Driving Record

Your history of accidents, tickets, and violations is the single biggest rating factor. A clean record earns significant discounts; an at-fault accident can raise your rate by 30–50% for 3–5 years.

2. Age and Experience

Young drivers (under 25) pay substantially more because they have statistically higher accident rates. Rates typically drop after age 25 and again around 35, then rise slightly after 70.

3. Vehicle Make, Model, and Year

Sports cars, luxury vehicles, and frequently stolen models cost more to insure. Safety ratings, repair costs, and theft statistics all factor into your premium.

4. Where You Live

Your ZIP code matters. Urban areas with higher traffic density and theft rates produce higher premiums than rural ZIP codes. Even moving across town can change your rate.

5. Coverage Levels and Deductibles

Higher limits and lower deductibles mean higher premiums. This is the factor most in your control — choosing the right balance of protection vs. cost is exactly what ATI helps you with.

6. Credit History (in Georgia)

Georgia permits insurers to use credit-based insurance scores as a rating factor. Drivers with strong credit typically pay less than those with poor credit histories.

7. Annual Mileage

More miles driven = more exposure to accidents. Drivers who commute long distances or use their vehicle for business pay more than low-mileage drivers.

8. Marital Status

Married drivers statistically file fewer claims and typically receive slightly lower rates than single drivers of the same age and record.

The good news: shopping across multiple carriers means the best combination of these factors works in your favor. Get your personalized comparison →