This graphic demonstrates which factors will affect your average monthly insurance costs the most. These factors and the percentage increase that you can expect them to have on your average insurance costs are: 6,000 versus 12,000-mile commute (19%) commute, whether or not your insurance coverage levels are low or they are high (19%), if you have a speeding ticket on your driving record (27%), if you have an at-fault accident on record (44%), and if you have a DUI on your record (114%).