What factor might affect the cost of auto insurance premiums besides driving history?

The cost of auto insurance premiums is critically influenced by the make and model of the vehicle being insured. Different vehicles have varying costs associated with repairs, safety ratings, theft rates, and overall reliability. For instance, a high-performance sports car is generally more expensive to insure than a compact sedan due to its higher repair costs and increased likelihood of being involved in severe accidents. Insurers use this information to assess the risk associated with insuring a particular vehicle, thus impacting the premium charged to the owner. Factors such as the vehicle's safety features, crash test ratings, and even the likelihood of theft can also contribute to the final premium amount.

While personal hobbies, homeownership status, and health insurance coverage may have some implications in broader financial assessments, they are not primary factors that insurance companies consider when calculating auto insurance premiums.