>>150624601
They're affected by many things. But theft is the highest risk which ends up making main variable for insurance in Brazil. A broken rear-view mirror or a damaged hood will still lose the insurer less money than a stolen car.
In Rio and SP the rule of thumb is that the shittier your address is, the more expensive it will get because the more likely you are to get robbed. Couldn't get the properly cropped list because Extra's website is shit, but you get the idea.