According to the Centers for Disease Control and Prevention (CDC), as a group, teens are the most accident-prone drivers on the road. The risk factors are: inexperience, not using a seatbelt, speeding, running red lights, driving while intoxicated, making illegal turns, and distracted driving. Insurance company varies their cost from one group of drivers to another because some groups have worse driving records, higher accident rates and more costly accidents than others. Here are some other factors that can affect your auto insurance rates.