it goes on driver history, age, gender and location aswell as what the car is.

me: 99 vtir lude, 25, no licence suspentions, no at fault claims, living in boronia SE melb, suspension mods, kit, stereo, $1200
me mate: 97 vtir lude, 24, lost licence 3 times (once demerits, twice street racing), 1 at fault claim, living in ringwood (about 4 suburbs from me), no mods, just a tad over $3000

but then another example.
when i moved here from bendigo (central vic).
living in bendigo and being under 25 my insurance was $1200...moved to melb it went up to $2000...turned 25 and it went down to $1200.
$800 jump cause melbourne has a higher risk of accident or theft than central vic.

and are you male or female?
they typically charge more for men as we are more likely to have an accident. apparently.

so.....how old are you, where are you, whats ya driving record like and are you male or female?