Hello @gagirl126. Thank you for reaching out to us via USAA Community to inquire about your auto insurance premium/rate. Have had an opportunity to speak or chat with one of our insurance specialists? ~Marco
There are at least a dozen factors that affect auto insurance rates including things you might not expect like credit rating. Always best to shop around and get a number of quotes. And do that every couple of years as offering companies, rates and qualifying factors change often.