Which of the following is considered a primary factor in determining auto insurance rates?

The primary factor in determining auto insurance rates is your driving record. Insurers assess an individual's driving history as a key indicator of risk. A clean driving record, which indicates a history free from accidents and violations, typically results in lower premiums since it suggests that the driver is less likely to file claims. Conversely, a record with accidents, traffic violations, or other infractions signifies a higher risk to the insurer, leading to increased rates.

While factors like income level, employment status, and age do play a role in the overall assessment of an individual’s risk profile, they do not carry as much weight as the driving record. Insurance companies prioritize information directly related to driving behavior, as it is the most relevant predictor of future accidents and claims.