# 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:** 2
**Author:** ![mhendo](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/mhendo/32/3159_2.png) [@mhendo](https://boards.straightdope.com/u/mhendo)\ **Post date:** [February 13, 2017, 11:52pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/21 "2017-02-13T23:52:36Z")
2008 Honda Civic coupe. Urban San Diego. Two drivers. About $720, with comprehensive coverage. ---
**Author:** ![Really\_Not\_All\_That\_Bright](https://avatars.discourse-cdn.com/v4/letter/r/e8c25b/32.png) [@Really\_Not\_All\_That\_Bright](https://boards.straightdope.com/u/Really_Not_All_That_Bright)\ **Post date:** [February 13, 2017, 11:55pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/22 "2017-02-13T23:55:07Z")
Central Florida. 2014 VW GTI, on which I’m the only driver. $50K property, $25K/$50K bodily injury, $25K/$50K UM, $10K PIP, $250 deductibles for collision and comprehensive, no medpay, no gap coverage, $30/day rental coverage. I pay $782.00 per year with Progressive. ---
**Author:** ![Mama\_Zappa](https://avatars.discourse-cdn.com/v4/letter/m/71e660/32.png) [@Mama\_Zappa](https://boards.straightdope.com/u/Mama_Zappa)\ **Post date:** [February 13, 2017, 11:55pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/23 "2017-02-13T23:55:30Z")
Something like 2800 a year now. We were paying about 1400 a year for 2 adult drivers… then my son got his license and it doubled. It actually went down a few bucks this year (he’s now 22 and has been driving for over 3 years). This is Virginia (DC metro area), with one 10-year-old CRV (with collision) and a Civic (without) that is old enough to vote. We’re buying a new car some time in the spring so that’ll be REAL interesting. Oh yeah: we actually bought an umbrella policy at the time he got his license, for a variety of reasons. That is about 600 a year (and we had to bump up our homeowners’ policy liability limits a bit as part of the process). ---
**Author:** ![Fotheringay-Phipps](https://avatars.discourse-cdn.com/v4/letter/f/d9b06d/32.png) [@Fotheringay-Phipps](https://boards.straightdope.com/u/Fotheringay-Phipps)\ **Post date:** [February 14, 2017, 12:41am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/24 "2017-02-14T00:41:13Z")
> [@Loach](#): > > 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. That frankly doesn’t sound terrible, considering the 2016 SUV with full coverage. But if you’re not with Geico, make sure to price them out. When my oldest daughter got her license, my then-insurer was going triple my rates, and I saved about 70% by switching to Geico. I’ve priced around several times since then, and AllState has been sort-of close but no one ever matched. I’ve been told that Geico is much cheaper for younger drivers, and while I can’t confirm it comprehensively, it was true in my case. Also in NJ, FWIW. [BTW, one thing that makes a difference is if your child is declared the “primary driver” on any vehicle. My problem is that I have 3 vehicles, 2 cars and a van, and while as a practical matter none of my kids are primary drivers on any of them, the insurers automatically make a third person the primary driver on a third car. But if you have two parents and two cars, then I assume the child won’t be primary driver on any of them and the impact on the rates won’t be as high.] ---
**Author:** ![Shagnasty](https://avatars.discourse-cdn.com/v4/letter/s/9dc877/32.png) [@Shagnasty](https://boards.straightdope.com/u/Shagnasty)\ **Post date:** [February 14, 2017, 12:52am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/25 "2017-02-14T00:52:57Z")
Mine is about $580 a year for full coverage on a 2010 Rav4. I drive well in excess of over 20K miles per year so it isn’t a bad deal overall. The best part is that I have glass coverage and using it doesn’t affect my rates or count against me so I have my windshield replaced by a mobile service for free every time I get a rock strike (about every 18 months). That is worth about $300 worth of service on its own. I also have AAA which more than pays for itself through various discounts including one on insurance and provides free towing coverage among many other things. This is in Massachusetts - home to many of the worst drivers in the country. The only at-fault accident I have ever been in was about 12 years ago when I rear-ended a line of cars at a red-light because I was looking for a side-street sign and they stopped short. It wasn’t very bad except for my car but the driver of the second car ahead of me claimed whiplash (she was a professional victim). It took a while for my insurance company to defend against the claim but they did somehow. I was terrified what that would do to my rates. The next year when I got the updated bill, it was changed - DOWN. I still can’t figure that one out. ---
**Author:** ![Isamu](https://avatars.discourse-cdn.com/v4/letter/i/7c8e57/32.png) [@Isamu](https://boards.straightdope.com/u/Isamu)\ **Post date:** [February 14, 2017, 1:04am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/26 "2017-02-14T01:04:54Z")
Nothing. I don’t own a car. I belong to a car rental service that has cars available for booking via the net at a car park about 3 minutes walk from my place. I use that service about once a month. ---
**Author:** ![RandMcnally](https://avatars.discourse-cdn.com/v4/letter/r/b782af/32.png) [@RandMcnally](https://boards.straightdope.com/u/RandMcnally)\ **Post date:** [February 14, 2017, 1:18am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/27 "2017-02-14T01:18:38Z")
We pay 90 a month for GEICO covering two cars with better than average coverage. I was an insurance adjuster so I am always on top of coverage. ---
**Author:** ![california\_jobcase](https://avatars.discourse-cdn.com/v4/letter/c/9d8465/32.png) [@california\_jobcase](https://boards.straightdope.com/u/california_jobcase)\ **Post date:** [February 14, 2017, 1:36am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/28 "2017-02-14T01:36:49Z")
'09 Ford Ranger and '08 Toyota Yaris, liability only, and a '13 Elantra GT with full coverage. $550 for six months. ---
**Author:** ![ZipperJJ](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/zipperjj/32/211_2.png) [@ZipperJJ](https://boards.straightdope.com/u/ZipperJJ)\ **Post date:** [February 14, 2017, 2:18am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/29 "2017-02-14T02:18:13Z")
2017 Ford Escape in Ohio with full coverage. 37 year old female driver. $600/year with State Farm (discount for low miles and for home insurance). ---
**Author:** ![Wallet](https://avatars.discourse-cdn.com/v4/letter/w/e99b99/32.png) [@Wallet](https://boards.straightdope.com/u/Wallet)\ **Post date:** [February 14, 2017, 2:26am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/30 "2017-02-14T02:26:12Z")
2010 CRV in New York City, 1 driver with clean record, basic collision and liability - was $1800/yr until my son got his license, now it’s $3100/year. Umbrella policy added $700/year, so $3800 total. Called Geico to price the coverage for a used 1996 Altima, liability only - they want an additional $2K/year! So, if we do get this used car for my son, we’ll be paying $5800/yr for two drivers. :eek: ---
**Author:** ![The\_Stainless\_Steel\_Rat](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/the_stainless_steel_rat/32/5727_2.png) [@The\_Stainless\_Steel\_Rat](https://boards.straightdope.com/u/The_Stainless_Steel_Rat)\ **Post date:** [February 14, 2017, 2:35am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/31 "2017-02-14T02:35:12Z")
2010 Chevy Equinox, liability, collision, etc. with $500 deductibles, was paying $800/yr. with Alabama Farmers, switched to GEICO when ALFA raised my rates 30%. Now paying about $500/yr. ---
**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 14, 2017, 4:50am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/32 "2017-02-14T04:50:46Z")
> [@Fotheringay-Phipps](#): > > That frankly doesn’t sound terrible, considering the 2016 SUV with full coverage. But if you’re not with Geico, make sure to price them out. > > When my oldest daughter got her license, my then-insurer was going triple my rates, and I saved about 70% by switching to Geico. I’ve priced around several times since then, and AllState has been sort-of close but no one ever matched. > > I’ve been told that Geico is much cheaper for younger drivers, and while I can’t confirm it comprehensively, it was true in my case. > > Also in NJ, FWIW. > > [BTW, one thing that makes a difference is if your child is declared the “primary driver” on any vehicle. My problem is that I have 3 vehicles, 2 cars and a van, and while as a practical matter none of my kids are primary drivers on any of them, the insurers automatically make a third person the primary driver on a third car. But if you have two parents and two cars, then I assume the child won’t be primary driver on any of them and the impact on the rates won’t be as high.] I have New Jersey Manufacturers. They do not raise your rates if you make a claim. If you are a crappy driver they will eventually drop you but they will never raise your rates. I had Geico years ago when I was stationed in Texas and it was dirt cheap. > [@Wallet](#): > > 2010 CRV in New York City, 1 driver with clean record, basic collision and liability - was $1800/yr until my son got his license, now it’s $3100/year. Umbrella policy added $700/year, so $3800 total. > > Called Geico to price the coverage for a used 1996 Altima, liability only - they want an additional $2K/year! > > So, if we do get this used car for my son, we’ll be paying $5800/yr for two drivers. :eek: As a state New Jersey has a higher average insurance cost than New York but NYC is probably the most expensive in the country. ---
**Author:** ![Tom\_Tildrum](https://avatars.discourse-cdn.com/v4/letter/t/e95f7d/32.png) [@Tom\_Tildrum](https://boards.straightdope.com/u/Tom_Tildrum)\ **Post date:** [February 14, 2017, 5:30am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/33 "2017-02-14T05:30:44Z")
Virginia, DC suburbs. $1100 per year through USAA for two small 2010 SUVs with two adult drivers. High coverage, high deductible. ---
**Author:** ![kferr](https://avatars.discourse-cdn.com/v4/letter/k/71e660/32.png) [@kferr](https://boards.straightdope.com/u/kferr)\ **Post date:** [February 14, 2017, 2:40pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/34 "2017-02-14T14:40:11Z")
UK, southeast England. 2008 BMW 120d, about £200/year fully comp. ---
**Author:** ![Musicat](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/musicat/32/20189_2.png) [@Musicat](https://boards.straightdope.com/u/Musicat)\ **Post date:** [February 14, 2017, 2:47pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/35 "2017-02-14T14:47:23Z")
> [@Gatopescado](#): > > I’ve got about a dozen cars and a handful of bikes. You wouldn’t believe me if I told you. Awww, you probably get a volume discount. ---
**Author:** ![CookingWithGas](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/cookingwithgas/32/485_2.png) [@CookingWithGas](https://boards.straightdope.com/u/CookingWithGas)\ **Post date:** [February 14, 2017, 6:42pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/36 "2017-02-14T18:42:14Z")
> [@Loach](#): > > 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. You really, really have to know deductibles and liability limits for the comparisons to be anything but nonsense. ---
**Author:** ![StGermain](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/stgermain/32/2868_2.png) [@StGermain](https://boards.straightdope.com/u/StGermain)\ **Post date:** [February 15, 2017, 12:18am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/37 "2017-02-15T00:18:01Z")
Tennessee - 2006 Ford Escape, full coverage. $560/yr. Full coverage was only about $5-10/mo more than liability only, so that’s what I went for. StG ---
**Author:** ![race\_to\_the\_bottom](https://avatars.discourse-cdn.com/v4/letter/r/c4cdca/32.png) [@race\_to\_the\_bottom](https://boards.straightdope.com/u/race_to_the_bottom)\ **Post date:** [February 15, 2017, 7:12am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/38 "2017-02-15T07:12:05Z")
Portland Oregon suburb. 2001 Honda Civic, full coverage (wife insists); 1998 Ford Ranger 4X4 liability only. We don’t drive much. About $700/year. Road service/ jump starts included. 21st Century. I have never found any better. ---
**Author:** ![Novelty\_Bobble](https://avatars.discourse-cdn.com/v4/letter/n/a3d4f5/32.png) [@Novelty\_Bobble](https://boards.straightdope.com/u/Novelty_Bobble)\ **Post date:** [February 15, 2017, 8:40am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/39 "2017-02-15T08:40:47Z")
> [@kferr](#): > > UK, southeast England. 2008 BMW 120d, about £200/year fully comp. Same location, male and female in their 40’s, 2015 skoda octavia, full coverage, breakdown and legal coverage, about £280. I’m glad I’m not paying US prices ---
**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 15, 2017, 7:13pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671/40 "2017-02-15T19:13:35Z")
> [@Driver8](#): > > Do you use one weird trick? Yep. Operator policy. I’m insured as a driver. > [@Musicat](#): > > Awww, you probably get a volume discount. 2 cars or 200, it doesn’t cost anything more. [Previous page](https://boards.straightdope.com/t/how-much-do-you-pay-for-car-insurance/779671.md?page=1)