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Some insurance providers are better for certain types of vehicles. If you have a large truck or a luxury vehicle it would be more expensive to replace therefore more expensive to insure. Also, your location plays a big role; some providers, such as Tennessee Farmers are better for a 2017 Audi R8, while a 2015 model would be better with Progressive.
Geographic concerns play a large factor in how insurance providers determine their rates. For example, in states where hail and flooding are common you'll see a major increase in automobile insurance rates. Also, cities with crowded populations, such as Los Angeles, result in common accidents leading to 20% higher rates than the national average. Each insurance provider evaluates these risks differently and you'll see rates that will commonly vary by more than 200%.
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