Automotive insurers use more than just your driving history to set your rates, the New York Times is reporting.

Factors such as your credit score, address and marital status can increasingly affect premiums more than driving history, the story explains.

A survey of the nation’s largest insurers — Geico, State Farm, Nationwide, Liberty Mutual and Farmers — found that a hypothetical woman in her 30s paid more if she was widowed, instead of married, at four of the five firms. The premium increases ranged from 3 percent to 29 percent. Only State Farm charged the woman the same, regardless of marital status.

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