Where you live, how many cars and how old, how many adults with licenses -- all this affects your rates. When we had two cars and three drivers, our insurance hardly went up, as it was assumed that two of the drivers were only part-time. But now that we have three cars, all less than two years old, and three drivers, we have increased 125/month (for a German AP driving 3 years or more, clean record) to 250/month (for a German AP driving fewer than three years, clean record). For us, the age or sex of AP doesn't matter (we have hosted BPs for four years in addition to 7 years of APs). What matters is length of time they have had their license.
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