Are all auto insurance quotes based on the same criteria?

All auto insurance quotes are not based on the same criteria. You could see an increase between 16% and 255% on your auto insurance as a high-risk driver.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 4, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember...

  • It’s a good idea to comparison shop when buying car insurance
  • Request quotes from at least three different insurance companies
  • Make a list of the pros and cons of each one before maing a final decision

Auto insurance companies are allowed to base the quotes they give to potential clients on its criteria. Therefore, every auto insurance company does not base its quotes on the same criteria.

One person who has all of the same information will receive a different quote from each car insurance company. This is why you need to comparison shop before making a final decision.

Auto insurance companies can also determine what type of clients they prefer to insure when you inquire about insurance quotes.

This does not mean that the car insurance company will never offer an insurance policy to someone who falls outside of the favored demographic, but these people will not necessarily receive the lowest quotes.

Our FREE auto insurance comparison tool gives you personalized quotes that can help you find the lowest rates. Enter your zip code above to get started now!

Auto Insurance Companies That Favor Low Risks

Auto insurance companies prefer to have a roster of clients that are in the low-risk demographic. These are people who are known to be the least likely to cause a car collision.

Auto insurance companies are well aware of who those people because the statistics have shown that certain demographics are extremely safe on the roads.

Some of these groups are:

  • Women
  • Teachers
  • Engineers
  • Married couples
  • People with children
  • Drivers with high credit scores

When a person that falls into one of the above demographics applies to an auto insurance company that is seeking clients just like them, they will receive cheap auto insurance quotes for their coverage.

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Auto Insurance Companies That Look for High Risks


Some auto insurance companies are actively looking for those who are in higher risk categories to offer them lower quotes.

These companies cannot quote the lowest prices, but they do give lower quotes than other auto insurance companies will that insure lower risks as a rule. Those who fall into a high-risk category are drivers who:

Those who fall into a high-risk category are drivers who:

  • Have too many points on their records
  • Have low credit scores
  • Are in their first three years of having their driver’s licenses
  • Have DUIs/DWIs on their driving records
  • Have caused accidents in the past
  • Have allowed their policies to lapse and driven without auto insurance
  • Require the SR-22 filing

Even though the above drivers present a higher risk to the auto insurance companies, they do have options for more affordable insurance coverage than they will receive from low-risk auto insurance companies.


 Auto Insurance Quotes Can Be Based on Past Behavior

Some people are in the habit of filing several claims with their auto insurance companies. They will be judged by a new auto insurance company to be a high risk.

But why? Because if someone needs to continuously file claims for accidents, insurance companies are putting themselves at risk.

The reason is that people at auto insurance companies know that if someone has filed an auto insurance claim in the past, they are more likely to file another one than someone who has never filed one.

Auto Insurance Quotes and the Type of Car Being Insured


Auto insurance companies will also base their auto insurance quotes on the type of vehicle people are driving. If the car is a sports car, it will receive high quotes because it may be an expensive vehicle to repair if it sustains any damage.

It’s also possible for sports car owners to find auto insurance companies that are seeking to insure sports cars that will not require that they pay the highest rates.

Some vehicles are also known to be very safe. Anyone who drives these types of cars can be assured of receiving lower quotes from auto insurance companies.

Vehicles that are very well made and have been shown to receive minimal damage during impact crash tests are the type of vehicle auto insurance companies will be happy to insure for less.

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 The Advantage of Price Shopping Online

Price shopping online is the best way for all demographics to find the auto insurance companies that are best equipped to offer them the lowest quotes. Everyone receives quotes from the auto insurance companies they request information from.

After comparing quotes from a least three different insurance carriers, you should have an idea of which direction to go.  Online comparison shopping is a fast and efficient way of obtaining several free auto insurance quotes online.

Enter your zip code below into our FREE car insurance comparison tool to begin comparing prices now!



Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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