Which of the following is NOT a factor in determining auto insurance premiums?

In determining auto insurance premiums, various factors are considered to assess the risk associated with insuring an individual driver. One of the primary factors is driving history, which includes the driver's record of accidents and traffic violations—this helps insurers gauge the likelihood of future claims. Location is also significant; areas with higher rates of accidents or theft can lead to increased premiums. Additionally, a driver's credit score is often evaluated, as studies have shown that individuals with higher credit scores tend to file fewer claims, making them lower-risk customers for insurers.

While personal hobbies can reflect elements of a person's lifestyle, they are typically not directly linked to the risk associated with driving or vehicle operation. Therefore, personal hobbies do not have a standard influence on calculating auto insurance premiums, making this the correct choice.