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Auto insurance rates are greatly variable throughout the US and many people cary more than state minimums. Near $200/mo., is pretty normal in California. My a

Auto insurance rates are greatly variable throughout the US and many people cary more than state minimums. Near $200/mo., is pretty normal in California. My auto insurance, with a perfect record is $3100/yr with a $5 million umbrella for three cars and two adult drivers in Idaho.

sokoloff 8y ago
Agreed on the state minimums, which are a joke ($20K and $40K I think here). We carry many multiples of the state minimum, which was needed to secure an umbrella policy for the excess. That doesn't include the umbrella, which we have in place mostly for other reasons (and is cheap).
lscharen 8y ago
I'll throw a data point in here: Three vehicles (2014, 2009, 2006), no accidents, rural Midwest. ~$2,000/yr for insurance with standard 100/300/100 coverage.
notyourwork 8y ago
I just renewed my insurance in SF for $555/6 months. I have progressive, high deductible but coverage for me, other driver and all that (100/300/100).
- infinitone 8y ago
  Thats pretty good. Can you share a bit more details about your demographics/driving history. I pay ~1600/yr with metromile and i have a good driving history. I'm in SoCal.
  - notyourwork 8y ago
    Surely - Demographic, ~30 year old male, married. (Getting married didn't drop it as much as I was hoping but did decrease it $150/year.) Wife and I have not had any traffic infractions in over 3 years. I haven't had a traffic infraction in at least 3 years (moved to West coast 3 years ago). ~30 year old male, married and are insuring a 2015 Cherokee with $2,500 deductibles. My advice, if you can set aside $2,500 or have it in savings I would move your deductible up and use insurance for severe accidents. Don't use insurance to replace a cracked windshield.
    - chrisconroy 8y ago
      FWIW, depending on your state and policy, "glass only" claims don't affect your premiums. Agreed with the general principle of a higher deductible though.
krisdol 8y ago
As another data point, perfect record, about $700 a year in insurance for my spouse and I sharing a car in Boston.

sokoloff 8y ago

Agreed on the state minimums, which are a joke ($20K and $40K I think here). We carry many multiples of the state minimum, which was needed to secure an umbrella policy for the excess. That doesn't include the umbrella, which we have in place mostly for other reasons (and is cheap).

lscharen 8y ago

I'll throw a data point in here: Three vehicles (2014, 2009, 2006), no accidents, rural Midwest. ~$2,000/yr for insurance with standard 100/300/100 coverage.

notyourwork 8y ago

I just renewed my insurance in SF for $555/6 months. I have progressive, high deductible but coverage for me, other driver and all that (100/300/100).

infinitone 8y ago
Thats pretty good. Can you share a bit more details about your demographics/driving history. I pay ~1600/yr with metromile and i have a good driving history. I'm in SoCal.
- notyourwork 8y ago
  Surely - Demographic, ~30 year old male, married. (Getting married didn't drop it as much as I was hoping but did decrease it $150/year.) Wife and I have not had any traffic infractions in over 3 years. I haven't had a traffic infraction in at least 3 years (moved to West coast 3 years ago). ~30 year old male, married and are insuring a 2015 Cherokee with $2,500 deductibles. My advice, if you can set aside $2,500 or have it in savings I would move your deductible up and use insurance for severe accidents. Don't use insurance to replace a cracked windshield.
  - chrisconroy 8y ago
    FWIW, depending on your state and policy, "glass only" claims don't affect your premiums. Agreed with the general principle of a higher deductible though.

krisdol 8y ago

As another data point, perfect record, about $700 a year in insurance for my spouse and I sharing a car in Boston.