In the UK insurance seems to be based on the following:

* Length of time driver has held a license.
* Driver's claims history.
* Driver's legal status (type/frequency of offenses).
* Driver's age.
* Driver's marital status (my friend who is married pays less than me).
* Geographic location of driver (I pay less than someone living in a city).
* Additional qualifications of driver (sometimes you get a discount for passing a test beyond the standard).

* Type of car (high-powered sport v. low-powered commute).
* Cost of spare parts (Honda owners suffer a bit from this).
* Claims history for that model.
* Where the car is kept overnight.
* Is the car stock or modified.

* How is the car used.

* Various other additions covering legal expenses and the fact that some sods don't bother with insurance.

I have heard that in the US insurance companies also support safety initiatives by wheighting premiums in favour of vehicles sporting certain enhancements. Apparently UK companies don't do that.

I am paying £196 including taxes for my Jazz. Last year I payed £356 for my 1.6L Civic. This is fully-comp for a 39 year old male living in the country with over 5 years no claims, a clean license and no offenses. By UK standards that's pretty cheap but getting married would probably reduce it by 10%. Then again there are the other expenses I'd incur by doing that

 

I'm with Mercury. I pay about $496 for six months. My one year is coming up and they basically quoted me the same amount. When I complained that it should be lower, they said in CA they were given State approval to raise rates.

 

My insurance for my fit sport is only $90 a month with full coverage and Im only 18!