# How much do you pay for car insurance? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [February 12, 2017, 7:15pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671 "2017-02-12T19:15:02Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Loach](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/loach/32/350_2.png) [@Loach](https://boards.straightdope.com/u/Loach)\ **Post date:** [February 12, 2017, 7:15pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/1 "2017-02-12T19:15:02Z")
I know we’ve done this before but a couple of things make me want to ask now. As the below article states New Jersey again tops the country for highest car insurance rates. And my daughter just became a licensed driver which jacked up my rates. I know that there are different levels of coverage so it’s not possible to make an exact comparison so let’s keep it simple. I have one 2016 SUV with full coverage and a 1999 Mercury with collision only. I was paying $1450 until my daughter passed her test. We are the only drivers in the household. Now I’m paying $2500. [https://www.google.com/amp/www.nbcnewyork.com/news/local/NJ-Drivers-Pay-the-Highest-Car-Insurance-Premiums-in-the-Nation-412944153.html%3Famp%3Dy?client=safari](https://www.google.com/amp/www.nbcnewyork.com/news/local/NJ-Drivers-Pay-the-Highest-Car-Insurance-Premiums-in-the-Nation-412944153.html%3Famp%3Dy?client=safari) ---
**Author:** ![samclem](https://avatars.discourse-cdn.com/v4/letter/s/a9a28c/32.png) [@samclem](https://boards.straightdope.com/u/samclem)\ **Post date:** [February 12, 2017, 7:53pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/2 "2017-02-12T19:53:11Z")
$2016 Accord (fully covered) and 2004 Accord(With collision and liability). $1500/year. I’m the only driver. State Farm in Akron Ohio ---
**Author:** ![Gatopescado](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/gatopescado/32/5711_2.png) [@Gatopescado](https://boards.straightdope.com/u/Gatopescado)\ **Post date:** [February 12, 2017, 8:32pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/3 "2017-02-12T20:32:50Z")
I’ve got about a dozen cars and a handful of bikes. You wouldn’t believe me if I told you. ---
**Author:** ![kopek](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/kopek/32/337_2.png) [@kopek](https://boards.straightdope.com/u/kopek)\ **Post date:** [February 12, 2017, 8:39pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/4 "2017-02-12T20:39:25Z")
2004 Harley and 1994 Harley combined (Progressive) covered for damn near everything for $380 a year. Subaru Outback (Hartford) fully covered for about $510 ---
**Author:** ![cochrane](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/cochrane/32/10441_2.png) [@cochrane](https://boards.straightdope.com/u/cochrane)\ **Post date:** [February 12, 2017, 8:45pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/5 "2017-02-12T20:45:34Z")
About $462 a year (38.55 monthly) with Geico. I drive a 20 year old beater, so I just carry minimum coverage. ---
**Author:** ![Bayaker](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/bayaker/32/3454_2.png) [@Bayaker](https://boards.straightdope.com/u/Bayaker)\ **Post date:** [February 12, 2017, 11:58pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/6 "2017-02-12T23:58:15Z")
2006 F150 4x4 and 2003 Taurus, both fully covered (I know, I know), 2 adult drivers $1118.00 per year with AAA insurance in the greater Houston area. ---
**Author:** ![Sahirrnee](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/sahirrnee/32/13937_2.png) [@Sahirrnee](https://boards.straightdope.com/u/Sahirrnee)\ **Post date:** [February 13, 2017, 12:45am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/7 "2017-02-13T00:45:33Z")
Western MD, $816/year for full coverage on an 2012 Colorado. I am the only driver. ---
**Author:** ![LH75](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/lh75/32/4438_2.png) [@LH75](https://boards.straightdope.com/u/LH75)\ **Post date:** [February 13, 2017, 2:00am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/8 "2017-02-13T02:00:41Z")
I just sent the check. I drive a 2011 Jeep Wrangler. I have full coverage and 100 deductible with towing and rental car coverage. I pay $245.00 twice a year. My wife’s car is a 2013 Jeep Patriot with the same type of coverage, and hers is $325.00 twice a year. This breaks out to $1140.00 a year ---
**Author:** ![mixdenny](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/mixdenny/32/2962_2.png) [@mixdenny](https://boards.straightdope.com/u/mixdenny)\ **Post date:** [February 13, 2017, 7:04am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/9 "2017-02-13T07:04:07Z")
2006 Scion and 2011 Kia, full coverage including car rental, emergency road service, etc on both, 2 drivers. State Farm Insurance, $960 a year in a ‘good’ suburb of Cleveland, Ohio. Dennis ---
**Author:** ![Northern\_Piper](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/northern_piper/32/5304_2.png) [@Northern\_Piper](https://boards.straightdope.com/u/Northern_Piper)\ **Post date:** [February 13, 2017, 7:21am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/10 "2017-02-13T07:21:59Z")
I paid about $1400 CAN for the basic plate coverage for my 2010 CRV, and about $450 for an additional package policy, for a total of about $1850 CAN (approx. $1415 US). ---
**Author:** ![Dereknocue67](https://avatars.discourse-cdn.com/v4/letter/d/6de8d8/32.png) [@Dereknocue67](https://boards.straightdope.com/u/Dereknocue67)\ **Post date:** [February 13, 2017, 8:36am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/11 "2017-02-13T08:36:49Z")
2010 Camry and 2012 Avalon with full coverage. $1200 annually. ---
**Author:** ![Iggy](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/iggy/32/3364_2.png) [@Iggy](https://boards.straightdope.com/u/Iggy)\ **Post date:** [February 13, 2017, 3:19pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/12 "2017-02-13T15:19:40Z")
2000 Mitsubishi Pajero IO so only carry third party liability. $437 Cayman dollars (US $546.25) per year. Insured to CI$10 million (US$12.5 million) limit. There is no choice in level of coverage. ---
**Author:** ![bibliophage](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/bibliophage/32/7615_2.png) [@bibliophage](https://boards.straightdope.com/u/bibliophage)\ **Post date:** [February 13, 2017, 3:39pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/13 "2017-02-13T15:39:22Z")
2007 Ford F-150 4x4, one driver, just over $800 per year for good comprehensive coverage. ---
**Author:** ![FairyChatMom](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/fairychatmom/32/21906_2.png) [@FairyChatMom](https://boards.straightdope.com/u/FairyChatMom)\ **Post date:** [February 13, 2017, 3:59pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/14 "2017-02-13T15:59:01Z")
2003 Porsche Boxster, 2009 Chevy pickup, 2012 Hyundai Sonata, all have full coverage, but we don’t have towing or rental options since we have enough vehicles for a spare. Two drivers over 60, truck driven rarely, the other two driven daily. $1000 deductible on all options. $1500/year in Amish country of southern Maryland. There’s also a Harley that costs us $172/yr - I didn’t include that. ---
**Author:** ![Driver8](https://avatars.discourse-cdn.com/v4/letter/d/b5a626/32.png) [@Driver8](https://boards.straightdope.com/u/Driver8)\ **Post date:** [February 13, 2017, 5:45pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/15 "2017-02-13T17:45:52Z")
> [@Gatopescado](#): > > I’ve got about a dozen cars and a handful of bikes. You wouldn’t believe me if I told you. Do you use one weird trick? We pay ~$680 a year for our 2009 Prius and ~$850 a year for our 2012 Acura. I think it slowly goes down year after year. ---
**Author:** ![Kimballkid](https://avatars.discourse-cdn.com/v4/letter/k/b5a626/32.png) [@Kimballkid](https://boards.straightdope.com/u/Kimballkid)\ **Post date:** [February 13, 2017, 8:37pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/16 "2017-02-13T20:37:13Z")
Three vehicles: 2004 Ford F150, 1984 Buick Regal, 1997 Chrysler Town and Country. Six month premium is 454.81. All have liability, medical payment, road service, uninsured driver and underinsured driver. The Ford adds collision, comprehensive, total disability and partial disability. ---
**Author:** ![Northern\_Piper](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/northern_piper/32/5304_2.png) [@Northern\_Piper](https://boards.straightdope.com/u/Northern_Piper)\ **Post date:** [February 13, 2017, 8:56pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/17 "2017-02-13T20:56:23Z")
> [@Northern\_Piper](#): > > I paid about $1400 CAN for the basic plate coverage for my 2010 CRV, and about $450 for an additional package policy, for a total of about $1850 CAN (approx. $1415 US). Oops, I came across the bills and I mis-stated it. about $1000 CAN for basic plates, then $450 for the additional package policy, for a total of $1415 CAN (about $1110 US). ---
**Author:** ![TheChileanBlob](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/thechileanblob/32/435_2.png) [@TheChileanBlob](https://boards.straightdope.com/u/TheChileanBlob)\ **Post date:** [February 13, 2017, 9:58pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/18 "2017-02-13T21:58:44Z")
We pay $456/year for a 2003 Dodge Caravan with full coverage and a 1988 Suzuki Samurai with liability. ---
**Author:** ![gigi](https://avatars.discourse-cdn.com/v4/letter/g/a587f6/32.png) [@gigi](https://boards.straightdope.com/u/gigi)\ **Post date:** [February 13, 2017, 10:20pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/19 "2017-02-13T22:20:24Z")
2015 Impreza, full coverage, Nationwide just over $800 a year. I think it’s a $250 deductible and I am the only driver. ---
**Author:** ![DCnDC](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dcndc/32/2842_2.png) [@DCnDC](https://boards.straightdope.com/u/DCnDC)\ **Post date:** [February 13, 2017, 10:35pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/20 "2017-02-13T22:35:39Z")
Suburban DC, Maryland. Two drivers, two cars, $1400/year for full coverage from GEICO. [Next page](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671.md?page=2)