You only gave a small amount of info on what insurance companies use to calculate your rate.
Other information use is:
Whether or not you get collision and comprehensive coverage?
Your deductible?
Your maximum liability insurance coverage?
Insured location? City? Park on the street or garage?
Type of driving?
How much you drive?
Student/Married/Kids?
Do you own a home?
Is the car financed or not?
And last but not least what insurance company you go to. Progressive v All State have different levels of costumer service which effect the base rate.
With out the rest of the info you can't compare your rate to anyone else's. Your 5k rate could be normal. Or it could be $500.
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