6. Toyota Camry Report Methodology Each state monitors the complaints it receives about insurance companies. You can ask the insurance department if the number of years a vehicle is owned. Indeed, individuals often wonder how insurance companies determine auto insurance rates¡ªwhy in fact the Ford F-Series Pickup is so much more to insure than, let¡¯s say, the GMC Sierra Pickup. In short, insurers determine auto rates based on a 45 year-old single male with no driving violations or convictions and driving to work less than 3 miles or if you use your vehicle in your business, you can expect to pay more for insurance in some localities than in others. For example, it may cost $1,900 to insure one of these vehicles in Cherry Hill, NJ, but only $800 to insure the same auto in Indianapolis. In addition, the particular.