If your'e a single male under 30, you'll pay the most. I guess insurers figure one is more likely to "show off" and speed, race, etc. There are some factors that reduce your insurance significantly. Once you turn 30, you're insurance will drop. If you're married, your insurance will also drop. Lastly, if you have kids, you're insurance will most likely be way lower than a single person of the same age, even if you've had tickets/accidents that were your fault compared to the single person having a clean record. Insurers figure if you have kids, you're less likely to make "risky" maneuvers. Finally, the type of vehicle matters. I suspect a mini-van has a much lower rate than a SUV or sports car, as people buy mini-vans mainly to cart around their kids, and they seeminly don't cause any more damage than a regular passenger car.
Back when my father got his 4runner in '86 before SUV's became popular, he was shocked to find that the insurance was much higher than w/ a 2wd pickup, and that had he known, he would have gotten a 2wd. Why? The insurance company told him people who buy 4x4s are those who drive offroad, and offroad, you have a much higher chance of rolling the rig. Now it's collateral damage.
