How much do you pay for car insurance?

Posted by General-Problem5696@reddit | Dallas | View on Reddit | 27 comments

I pay for my insurance biannually and I recently got the bill, it increased for no reason so it’s that time of year where I have to start calling around and get quotes.

I pay around $400 each time and I have the most minimal coverage with no accident history. How much do you pay, what carrier, and do you have any additional coverages or claim history?

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HornFanBBB@reddit

45F, full coverage, no bundle, 2016 Ford Escape - $91/mo with USAA.

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neatgeek83@reddit

Useless post without telling us your age and vehicle.

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AteTooManyPotatoes@reddit

And credit score, zip code, driving history, marital status, gender, etc .

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fanoftom@reddit

Huge difference. Unmarried male is most expensive.

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HornFanBBB@reddit

45F, full coverage, no bundle, 2016 Ford Escape - $91/mo with USAA.

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JohnPaulDavyJones@reddit

There sure are. The difference in auto rates is most noticeable in your 20s, because young men are drastically more prone to riskier driving than women of the same age.

I work on the data side of the insurance industry, and the difference in risk rates blew me away when I first got to a firm that wrote auto policies.

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Phynub@reddit

First car color, mothers maiden name, first pets name

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friskexe@reddit

I’m 25, husband is 29, we pay $265 most basic for our two vehicles combined

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friskexe@reddit

We were paying $240 monthly but we forgot to pay a month so they upped the cost when we got a new policy.

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General-Problem5696@reddit (OP)

Biannually?

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oceans_wont_freeze@reddit

39m, $462/6mths, full coverage, Progressive. 2017 VW GTI.

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fanoftom@reddit

Totally irrelevant unless you tell us your age, gender, credit score, and vehicle make/model, and zip code. Or at least county.

I’ll bite though… 40/M with trash credit 2014 Toyota Corolla Northern tarrant county

Minimum legal liability coverage: $360/6 months. Progressive.

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Any-Machine-4323@reddit

$800 for 6months =$140 a month using Allstate almost have full cover on vehicle missing a few stuff…

Sports car 2021 Ford mustang a few accidents (3) Speeding tickets/ mid 20s Male..

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Happy_Diver_8515@reddit

I just paid my biannual bill and it went down by $100 from $700 to $600. I have pretty comprehensive coverage through progressive

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Comfortable_Fruit847@reddit

$400 is pretty cheap. We have 2 cars, paid off, adult drivers in our 40’s and I’m paying $700 bi-annually.

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I've been having to shop around so much these past few years but luckily I found a really cheap policy at GEICO for my last renewal. $160/6 months. liability only. car is 10 yo. hopefully they don't go up on me.

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YaGetSkeeted0n@reddit

34 M, homeowner with the bundle stuff, it’s about $200/mo paid annually. Full coverage with the highest limits or whatever on a paid-for 2022 pickup. Haven’t had an at fault accident in over a decade, last claim was a motorcycle theft in 2020.

I’m probably getting fleeced but honestly it’s been that way since the pandemic for me. I’ve had a few different vehicles and they’ve all been fairly expensive to insure, regardless of coverage, vehicle age, and whatnot.

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Cansum1helpme@reddit

Two cars , $900 biannually, Allstate. No wrecks, tickets or claims. I’m sure this will go up at some point.

Older Honda Pilot , full coverage (wife’s ride) and a 2009 Honda Fit, liability only. We own both cars and have homeowners ins bundled as well.

However…. Paying $1800 a year is LUDICROUS considering there are assholes out there that pay ZERO and run when they hit you and never get caught.

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AteTooManyPotatoes@reddit

Everyone's insurance rates will be different as there's a lot of factors that are unique to yourself. Just shop around.