For many drivers in Virginia seeking auto insurance, saving money on coverage is a priority. While a clean driving record helps get a lower rate, Autos.com says there are a number of factors that can cause rates to increase.

According to the source, anything negative that shows up on a driver's history can influence auto insurance rates. Some things that can cause a spike in the cost of coverage include accidents, DUIs, and even other aspects including the age and gender of the driver.

The site also notes that the type vehicle being insured can also influence rates as safety statistics can make a car appear more prone to being involved in accidents. Sports cars and SUVs generally demand more coverage at higher rates.

Drivers who require specific coverage, such as gap insurance and add-on services including roadside assistance, should also expect a higher monthly payment.

Credit scores can also affect the auto insurance rate offered by companies, as they are by law allowed to include risk assessments based on a driver's likeliness to make payments on time.