This is calculated by the odds of your car breaking(higher as the car ages/parts become more expensive), the chances you are going to get into an accident (go higher as you age up after 30 something), and the chances another driver will crash into you without your fault(this saw a large increase after COVID, people just started driving worse for some reason I don’t know). All of this means that you will pay more for insurance and it 100% isn’t your fault.