Certain cars are considered "good" for insurance companies. This is what you want. "Bad" cars (which are the most appealing to buy) are sports cars, high horsepower, or ones that are expensive to repair. Larger vehicles, such as SUV's, are more expensive to insure also, because they cause more damage in an accident. Insurance companies want low risk when insuring you and the higher the risk for a benefit being paid out, the higher the rates will be. Insurance companies use statistics to determine the risk factor for crashes, breakdowns, etc.
Rates vary widely between companies. Some may offer discounts for programs you are in, such as military or student discounts. Others will benefit you if you are a senior driver, or have multi-car insurance or if you hold other policies with that company. This is a factor in which you have control. Ask what kind of discounts you qualify for. Shop around. Being online makes it easy to get quotes for many companies, and you can select your car insurance from one simple stop on a website.
SO find out the auto insurance coverage limits on different policies. Depending on the legal requirements in your state, you might be liable for certain mandatory coverage as well as having the option of buying other types of coverage.