The car, its value, its (statistical) incidence of claims, extent of cover, amount of excess,location, where kept,driver`s (and other drivers) age and motoring history, annual mileage, are all core inputs to the calculation.
Add to that the unwillingness of many owners to question their premiums or to seek alternative quotations or to read Motoring Surveys all equate to the premium charged.
My wife (70) and I (72) are covered by LV for Social Domestic and Pleasure inc European Cover for 12,000 miles for £270.