How much does everyone pay for car insurance. 

"E90M3" (e90m3) 03/18/2019 at 08:43 • Filed to: None

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If you’re interested in sharing, how much do you pay per month on car insurance ? Right now I pay $170/month for both cars with full coverage. I’m 29, live in Greenville SC, haven’t gotten a ticket since I was 17. I did have a claim on my insurance in October 2015, during the worst month of my life. So, what’s everyone else looking at? 

Dr. Zoidberg - RIP Oppo > E90M3 03/18/2019 at 08:49

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About ~$175 per month for all three. Longbed insurance is suspended and just turned “on” by m agent when I take it for a ride every week or so. I think I only pay  like $24 per month for it.

HondoyotaE38: A Japanese and German Collab...wait a minute > E90M3 03/18/2019 at 08:49

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I don't know but my parents keep reminding me that it's gonna be very expensive, which is why they're making me hold off on getting a license because Florida law dictates that every license driver must be insured even if they get it and don't end up driving at all or often, RIP

CarsofFortLangley - Oppo Forever > E90M3 03/18/2019 at 08:49

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$7000+ a year. or $5200USD

pip bip - choose Corrour > E90M3 03/18/2019 at 08:53

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what you pay a month, i pay per year. 

Nibby > E90M3 03/18/2019 at 08:55

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free cause you pay for mine :)

E90M3 > pip bip - choose Corrour 03/18/2019 at 08:57

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Why is it so inexpensive? Old car, minimum coverage? 

E90M3 > CarsofFortLangley - Oppo Forever 03/18/2019 at 08:57

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Damn, I think you remember telling me that it was that much. 

E90M3 > Dr. Zoidberg - RIP Oppo 03/18/2019 at 08:58

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That’s not bad at all. You have full coverage on everything? 

pip bip - choose Corrour > E90M3 03/18/2019 at 08:58

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3rd party, fire & theft

basically bomb insurance. haven’t needed to claim in years helps too

diplodicus forgot his password > E90M3 03/18/2019 at 08:58

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156.48 for e30 and e28 liability only because M ichigan and speeding tickets.

CarsofFortLangley - Oppo Forever > E90M3 03/18/2019 at 08:59

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It sucks. Going up 6.3% this year too.

E90M3 > HondoyotaE38: A Japanese and German Collab...wait a minute 03/18/2019 at 08:59

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I have no idea how much my parents paid for mine, I know I didn’t contribute. It’s sort of a catch-22 for you to help, you have to have a job to pay but you have to have a car to get a job. 

E90M3 > CarsofFortLangley - Oppo Forever 03/18/2019 at 09:00

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Yeah that is rough. 

E90M3 > diplodicus forgot his password 03/18/2019 at 09:00

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I did hear that Michigan rates were higher in general anyways. 

pip bip - choose Corrour > E90M3 03/18/2019 at 09:00

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how much do you pay for registration though?

last time it cost me just shy of AUD$700

Pickup_man > E90M3 03/18/2019 at 09:00

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Haven’t check since I’ve added the Cobalt, but I think we’re somewhere around $600-$700 per year. That’s for three not all that valuable vehicles, liability only. Bike’s are liability as well and come it at roughly $250 a year. 

pip bip - choose Corrour > CarsofFortLangley - Oppo Forever 03/18/2019 at 09:01

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that’s extortion!

E90M3 > pip bip - choose Corrour 03/18/2019 at 09:01

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It varies state to state, I paid right around $1000 for property taxes for both cars last year in South Carolina. 

Chuckles > E90M3 03/18/2019 at 09:01

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I pay about $900/year total for full coverage on my 2012 Fiat and less than full coverage on my 25 year old Miata. For reference, I’m a 33 year old in Pennsylvania and my only insurance claim was when my Civic was flooded in a hurricane. But that was when I lived in NC.

Smallbear wants a modern Syclone, local Maple Leafs spammer > E90M3 03/18/2019 at 09:02

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~$320/mo in the People’ s Republic of Ontario.

I like cars: Jim Spanfeller is one ugly motherfucker > E90M3 03/18/2019 at 09:02

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Welp, so far I’m winning I think. I hav e Geico and a few options above state minimum. I pay abut $300 every 6 months, so $50 a month.

I'm 22 in Ohio, one ticket, driving a total shitbox. 

Dr. Zoidberg - RIP Oppo > E90M3 03/18/2019 at 09:03

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Liability and UIM on the pickup only. I don't think it's worth enough to add collision and comp.

CarsofFortLangley - Oppo Forever > pip bip - choose Corrour 03/18/2019 at 09:03

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Pretty much. We must buy our insurance from a crown corporation (up to the first $200K liability).

I buy all cover from them as private insurers still consider me a "young driver" last time I checked was in September.

Tripper > E90M3 03/18/2019 at 09:03

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I pay $660 every six months on the 02, Ranger, and Grom. I have a separate policy on the M3 and it’s $410 every six months. There is an additional separate policy on my wife’s Forester, but I don’t know how much it is because it’s lumped in with the mortgage, and other bills when my wife says, “this is how much bills are this month.”

All vehicles have full coverage. I’m 34. I’ve got lots of citations , but I always go and plead them down to a no points violation so I have no points and haven’t for a long time.

Smallbear wants a modern Syclone, local Maple Leafs spammer > CarsofFortLangley - Oppo Forever 03/18/2019 at 09:03

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ICBC—Public Insurance done wrong. Need lessons from Manitoba... which is a phrase I never thought I’d say.

KingT- 60% of the time, it works every time > E90M3 03/18/2019 at 09:05

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Thanks that reminds me, need to pay my premiums.

$64 a month on my car alone , 33 married, bundled home, 2autos , life with State Farm. No tickets officially on record, 1 not at fault claim couple of years back.

CarsofFortLangley - Oppo Forever > Smallbear wants a modern Syclone, local Maple Leafs spammer 03/18/2019 at 09:05

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Either MPI or SGI would be ok with me

random001 > E90M3 03/18/2019 at 09:05

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right now $90 for two cars, two drivers.

Dr. Zoidberg - RIP Oppo > I like cars: Jim Spanfeller is one ugly motherfucker 03/18/2019 at 09:05

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GEICO was my shitbox insurance , too. Even when I had six cars, they were all liability only, varying between $20-50 per month apiece.

E90M3 > I like cars: Jim Spanfeller is one ugly motherfucker 03/18/2019 at 09:06

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That’s not bad at all. 

E90M3 > Chuckles 03/18/2019 at 09:06

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That’s pretty good. 

BvdV - The Dutch Engineer > E90M3 03/18/2019 at 09:07

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€87/month for all risk (our equivalent of full coverage) on the Twingo, because I only have a car registered to my name since early last year. €4.62/month for liability only  on the W126 500SE, because it’s a classic and it has a limit of 5000km a year.

Sovande > E90M3 03/18/2019 at 09:08

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I pay $146 a month for 4 cars. 2 of them do not have comprehensive. 43 years old and single with Geico.  My driving record is not great, but I don’t have any incidents in the past 7 years.

E90M3 > Tripper 03/18/2019 at 09:11

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That’s not terrible, I think that’s about what I pay on the M3 for 6 months, I know it’s cheaper than my 328i to insure. 

E90M3 > BvdV - The Dutch Engineer 03/18/2019 at 09:12

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Wasn’t sure how insurance in Europe compared to ours, seems like it’s somewhat on par. 

Chuckles > E90M3 03/18/2019 at 09:12

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It helps to drive cars with not much power. The Fiat is a 7 year old economy car, and Miatas are cheap to insure. My insurance is through Erie Insurance because that’s what my family has always used so that’s what I use.

Not making claims makes a huge difference. For comparison, my girlfriend (31) pays about $1,900 per year on her 2006 Civic because she’s had a few claims. I also need to help her out because she has too much coverage on her old car. I want her to drop to liability only because that car is garbage.

E90M3 > KingT- 60% of the time, it works every time 03/18/2019 at 09:12

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That’s what I’m here for. 

Dr. Zoidberg - RIP Oppo > CarsofFortLangley - Oppo Forever 03/18/2019 at 09:15

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O', Canada.

red014 > E90M3 03/18/2019 at 09:17

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Full coverage on 2 cars (my Miata, wife’s SUV) about 30 miles outside Boston and I pay just over a grand for a year.

Tripper > E90M3 03/18/2019 at 09:17

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Most of that $660 is the 02. It’s insured for double what I paid for it. The Grom and Ranger are super cheap.

HondoyotaE38: A Japanese and German Collab...wait a minute > E90M3 03/18/2019 at 09:18

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Exactly. So I'm kinda stuck as of right now. What I might do though is work at Disney because my friend works there and he knows someone who's like high up in the "ranks" I guess and he'll see what he can work out. He said he'd drive me there with him. Only thing I can see going wrong is different shifts or sick days.

E90M3 > HondoyotaE38: A Japanese and German Collab...wait a minute 03/18/2019 at 09:20

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Yeah or focus on other things right now, driving will come eventually. 

Chuckles > E90M3 03/18/2019 at 09:21

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Paying property taxes on cars makes no sense to me. That's how it was in NC but in PA the annual registration is like $35, and no taxes on the cars you drive.

BeaterGT > E90M3 03/18/2019 at 09:21

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$ 580/6 months for full coverage on 2 cars. No points/tickets and my most recent claims were forgiven.

CarsofFortLangley - Oppo Forever > Dr. Zoidberg - RIP Oppo 03/18/2019 at 09:21

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“ With glowing hearts we see your cash... ”

shop-teacher > E90M3 03/18/2019 at 09:23

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Just under $1000 a year, full coverage for both vehicles.  I’ve never had a point on my license in my life, nor have I ever made a claim.  My wife hasn’t had either since the 90's.

loki03xlh > E90M3 03/18/2019 at 09:23

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$106/month for full coverage through Erie insurance. T his covers my ‘01 Tahoe, ‘97 S-10, and my ‘90 Firebird. I also pay $26/month for full coverage on my ‘05 Sportster 1200C from Progressive.

nerd_racing > E90M3 03/18/2019 at 09:26

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31 2 cars, one full coverage 1 liability, 300k/100k additional pip, one accident on record (clipped a parking lot low pole when reversing) bundled with home insurance $150/month.  Apparently the rates in my county are higher because part of it borders the Canadian Border. 

fintail > E90M3 03/18/2019 at 09:36

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Around $150/month for both cars - the fintail is a small part of that with its Hagerty policy.  The modern car has full coverage.  I am not too far past 40 with a clean record, but I live in a high cost of living area with far too many marginal drivers on the road.

Quadradeuce > E90M3 03/18/2019 at 09:37

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38, married, wisconsin, no tickets or accidents.

$585/year for the Saab 9-7x (~$50/mo)

$919/year for the SS (~$77/mo). I did opt for the “Better Car Replacement” plan for the SS, so if it gets totaled , they have to find a ‘17 with 15k miles less on it.

412GTI > E90M3 03/18/2019 at 09:38

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Erie. $105/mo with renters & my GTI . I’m 25 with no accidents or tickets on record. Geico was much higher when I switched last year.

atfsgeoff > E90M3 03/18/2019 at 09:41

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$1 2 00/year total for 2000 Volvo S70, 1997 F-250HD, 2005 Yamaha FJR1300, and 2008 Yamaha WR250R. Bikes are full coverage; car and truck are 100k/300k stacked liability w/no collision coverage.

WildlyMild > E90M3 03/18/2019 at 09:44

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205 every 6 minths for 2 minivans and an accord. None near new. All full coverage. USAA is amazeballs if you, your spouse or your parenty were or are in the military.

OpposResidentLexusGuy - USE20, XF20, XU30 and Press Cars > E90M3 03/18/2019 at 09:47

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$210ish a month, three cars, m arried, both under 25. Nothing on either record. Hopefully it’ll go down in October when I turn 25. Been exactly three years today since my last ticket but USAA never counted it. 

Stapleface-Now Hyphenated! > E90M3 03/18/2019 at 09:54

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Roughly 2k per year for a 2010 Corolla and a 2015 Civic with full coverage. No insurance points or accidents. And this is with the bundle discount for homeowners. Wife and I are both 42.  

Reason #40987 that living in NJ blows.  

E90M3 > OpposResidentLexusGuy - USE20, XF20, XU30 and Press Cars 03/18/2019 at 09:58

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Mine didn’t go down when I turned 25, I was annoyed.

Funktheduck > E90M3 03/18/2019 at 10:00

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I just got a letter kindly informing me my rates have gone up. No explanation. Not sure what that makes my monthly because they just racked the extra on to my last two payments 

E90M3 > Funktheduck 03/18/2019 at 10:02

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That’s infuriating. 

Svart Smart, traded in his Smart > E90M3 03/18/2019 at 10:03

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I’m paying about $1100/year for comprehensive coverage on one car, street-parked. I’m 32.

Funktheduck > E90M3 03/18/2019 at 10:08

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Yup. Got a ticket about 3 years ago but that got lowered to no points. Only other ticket was 13 years ago (no points). One not at fault accident in not my car about 8 years ago. I think it’s just an adjustment for my area. Towards the end of last year we had a rash of car break ins. Mostly people who left cars unlocked or windows down but broken windows for people who left electronics in view. 

Neil drives a beetle and a fancy beetle > E90M3 03/18/2019 at 10:09

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160 per month for the 2001 996, 2012 turbo beetle, and my wife’s 2013 Ford C-Max. We’ve got Geico.

We are mid 30s; I’ve got a recent ticket but I don’t think it dinged my insurance. We’ve got pretty good coverage but not everything. 

Supreme Chancellor and Glorious Leader SaveTheIntegras > E90M3 03/18/2019 at 10:10

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Roughly 175 a month for the TLX, 24, NJ, no tickets on my license, no claims, etc

AMGtech - now with more recalls! > E90M3 03/18/2019 at 10:17

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About 300/month for full coverage on an AMG, a normal Mercedes, and a 1200cc Ducati, plus renter’s. 32, a few speeding tickets (that really can't be surprising to anyone), living in a major metro with a lot of idiot drivers.

E90M3 > AMGtech - now with more recalls! 03/18/2019 at 10:18

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How much is the motorcycle? I heard that they’re usually the most expensive part. 

Long_Voyager, Now With More Caravanny Goodness > E90M3 03/18/2019 at 10:21

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33, no crashes other than a few comprehensive claims, 3 vehicles, full coverage no deductible on all, and home owners insurance.

We pay just over $200/month.

AMGtech - now with more recalls! > E90M3 03/18/2019 at 10:21

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I don't remember how much each one is individually. But I've got gear covered and the higher personal injury level. 

Under_Score > E90M3 03/18/2019 at 10:27

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I think I’d win this competition if I said  how much my parents claim I cost to insure.

GoodIdeaAtTheTime > E90M3 03/18/2019 at 10:29

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I pay 174 a month. Full coverage for 2 cars, liability  for 2 cars . P lus homeowner’ s and life insurance for the misses and I. It’s been 18 years since I hav e had a ticket or accident. I’m 36.

jminer > E90M3 03/18/2019 at 10:38

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Full coverage on two autos (14 Sportwagen and 16 RAV4) runs me about $150 per month and insurance on my motorcycles (1 full coverage, 2 liability only) runs $175 a year.

I live in Missouri, and we have occasional hail storms and floods but not super-regular so it keeps insurance premiums reasonable.  I’ve had 1 weather claim in the last few years but no accident claims.

GolfR Guy > E90M3 03/18/2019 at 10:49

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I’m 28 y/o. Golf R is $815 every 6 months for full coverage in Los Angeles, CA.

My motorcycle, a 2014 Aprilia Tuono, is $800 every 6 months for full coverage. Not too bad considering I’m in LA.

Urambo Tauro > E90M3 03/18/2019 at 10:57

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I don’t track per month but it comes to almost $2000/yr for me to ensure a ’95 Sierra and a ’95 Mustang in Mi chigan , and that’s without collision coverage. Two grand down the drain, just to keep some papers in the glovebox.

DAWRX - The Herb Strikes Back > E90M3 03/18/2019 at 11:25

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I actually just got off the phone with our agent as our policy renews this month.

It just went down to ~290 a month from ~340 a month. This is probably because my wife just turned 25 and maybe paying off my car last y ear had something to do with it as well . $1k deductible/ comprehensive .

2015 WRX & 2018 Civic Hatch. No accidents, and I had a ticket dismissed a bout 3 years ago.

E90M3 > DAWRX - The Herb Strikes Back 03/18/2019 at 11:26

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Really not that bad, mine was right at 300/mo in Savannah for both my cars. 

SPAMBot - Horse Doctor > E90M3 03/18/2019 at 11:33

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The bug is about $70 a month. I should probably shop around because that is high for how little the car is worth.

The Ferrari is around $700 a year. Agreed value and some other perks but limited to 3000 miles a year with a no commuting clause.

29, no tickets or accidents on record *knocks on wood*

E90M3 > SPAMBot - Horse Doctor 03/18/2019 at 11:41

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That’s actually less than my M3 is to insure; it’s $940/year. 

AestheticsInMotion > E90M3 03/18/2019 at 11:58

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$95 per month on the Miata. 23, clean driving record. Just liability though.

I should really shop around

Future Heap Owner > WildlyMild 03/18/2019 at 12:02

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Wow that is a great rate.

gmctavish needs more space > E90M3 03/18/2019 at 12:04

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$209 a month for a 2006 Subaru Legacy. 2 million liability, plus collision and comprehensive, but those both have a $300 deductible. No at-fault accidents or tickets for all 8 years I’ve been driving, so I have a 30% discount. Usually by additional discount each year matches with how much they’ve increased rates, so my costs stay the same.

When the 1997 Blazer was my main vehicle, it was only $175 or so a month. The Subaru is better on gas, but the extra insurance cost almost makes that irrelevant.

SPAMBot - Horse Doctor > E90M3 03/18/2019 at 12:05

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That is still not too bad. When I was 25 and looking at an E60 M5, all my quotes were in the 270-300+ range per month.

I think most collector car policies are pretty cheap because the average owner drives the car once a month, in perfect conditions, to go get ice cream haha

functionoverfashion > Tripper 03/18/2019 at 12:18

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Just a thought, you might look at Hagerty for the 02. I did that last year when I “rented” my truck to the BBC for a day, because Hagerty allowed that kind of thing, and seems to “get” classics in a way that a normal car insurance policy doesn’t . It worked out anyway because it’s quite a bit cheaper (on a vehicle that was already cheap) and the agreed value thing is better done. Like, if the truck burned to the ground tomorrow I’d get whatever the agreed value is, in a check.

Anyway, just a thought.

Smallbear wants a modern Syclone, local Maple Leafs spammer > CarsofFortLangley - Oppo Forever 03/18/2019 at 12:18

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BC - Bring Cash

WiscoProud > E90M3 03/18/2019 at 12:26

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Around $85/month for a 04 Land Cruiser and a 05 Sienna. Mid-30s, married, kid, live in suburb outside milwaukee 

functionoverfashion > E90M3 03/18/2019 at 12:27

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My wife and I pay about $1,300 / year for our 4 vehicles:

2012 Volvo XC 70

2015 Mini Cooper S

2003 BMW 325xi wagon

1961 Ford F100

We’re married, in our 30's and don’t have any tickets or claims , which is kind of amazing but there it is (knock on wood) . We do live in a rural area.

facw > E90M3 03/18/2019 at 12:53

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I also have a $1M u mbrella policy that is $167/year IIRC.

I did just get a speeding ticket yesterday, so hopefully that won’t torpedo my nice low rate.

ZHP Sparky, the 5th > E90M3 03/18/2019 at 12:56

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Thanks for the reminder – just emailed an All State agent who had given a quote that looked pretty promising to provide more info.

Right now we’re with Geico. I’m 34, wife is 30. We have 3 cars with full coverage, pay ~$750 every 6 months. The price has been slowly climbing recently, although we keep driving less and less. Especially with only 1 of us commuting now. Time to get serious about comparing options and threaten to jump ship if they can’t match the competition.

Anyone tried Metromile or any of the other usage based insurance policies? I’m not the “big brother is watching you” type but any concerns about them having a device on your car to track mileage?

Spamfeller Loves Nazi Clicks > E90M3 03/18/2019 at 13:17

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Too much, probably. I need to shop around sometime this year.

I pay about $120/mo for the 997.2, WK, and Integra non-op. Switching to an AV restricted policy on the 997.2 is a total non-starter, because it’s a fantastic road-tripper.

That’s 35+ bracket, zero points, zero tickets, zero moving violations, zero at-fault accidents, one no-fault comp claim 7 years back.

Eric @ opposite-lock.com > E90M3 03/18/2019 at 13:42

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$127/month (paid annually), comprehensive/collision on two cars with two drivers (36 & 27) . $500 deductible (comp/collision), full glass, and rather high limits. According to the docs, my car is safer than hers, but is more expensive to repair, with a total cost of $10 less per year overall.

I live in a top-10 state for car accidents in the area where most of them happen, so I think that’s pretty good. It more than doubled when I moved up here from CA.

E90M3 > SPAMBot - Horse Doctor 03/18/2019 at 14:11

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When I got my M3 at 24, I paid 150 a month for it and my Explorer. I was amazed how cheap it was. 

Tripper > functionoverfashion 03/18/2019 at 14:24

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Thanks, I’ll check em out.

SPAMBot - Horse Doctor > E90M3 03/18/2019 at 15:05

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That is pretty amazing! I guess they assumed you wouldn’t crash into anything expensive in rural Texas haha

VajazzleMcDildertits - read carefully, respond politely > E90M3 03/18/2019 at 16:59

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Corvette and Crosstour together run about $1050 every 6 months for me, full coverage on both, one driver (not me) as 1 at fault accident and I have a speeding ticket from 3 years ago. 2 glass claims on a 0 Deductible glass policy, perfect credit on Progressive without their silly big brother module.

Deductibles however vary depending on glass, comprehensive, or collision, but range between 0 for glass and $1000 for collision on one car. 

Captain of the Enterprise > E90M3 03/18/2019 at 19:37

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I pay $980 every 6 months so $1,960 per year or $163 per month for a 2011 Toyota Camry Le four cylinder, no tickets, no accidents where they had to pay out but I’m 24, male and on Medicaid.