Insurance actuaries take a long string of variables into consideration, including age, experience, driving record, vehicle, mileage driven, vehicle use, type of coverage, number of authorized drivers, their records, their experience, their ages, where the vehicle is housed at night (street? Driveway? garage? Parking garage?) and a whole bunch of other things. The same vehicle in the next town over with all other variables seemingly the same can be paying a dramatically different rate than you.
With insurance rates, there’s just no tellin’.