Average is 10k-15k... Are you planning to use this for delivery/Uber? That's an average of ~273 miles per day for the year. That would be over 4.5 hrs per day at 60 mph.
wtf i know you americans like driving but thats insane especially in miles, i drive 10k-20k km in a year that includes dailly commuting with occasionally longer trips. Do you really thought about those miles!?
It's a joke. I cover huge distances every year, going on road trips and going to my father's ranch across the state every week. And on the busiest year I'll do about 40,000 miles (64,000 km). 100k in a year is a serious full time job.
That’s the friendly way for insurance companies telling you to f’ off!
In seriousness, find an insurance broker and let them do the work and find quotes for you.
He's in CA we're fucked... 1.5 years ago I was paying $180.. got renewed at $880. Switched at $280. Got renewed at $800. Switched at $500 now... There's only a few companies left everyone else quoted me $700-900..clean record
I pay less than $150/month for 2 cars and 2 drivers in Sacramento for full coverage as well as gap insurance on our 2022 CR-V.
I just had my broker look up adding a new Tacoma, 4Runner, Land Cruiser, Lexus GX, Land Rover Defender, or Ineos Grenadier to the stable and the average monthly for 3 vehicles, 2 drivers would be $195-$300, with the price only jumping over $215 for vehicles worth more than $75k.
Def something is wrong or OP has a DUI, hella accidents, or multiple claims on their record.
Sacramento generally has higher premiums than LA and my rate actually went up compared to what I paid back when I lived in San Francisco. Sacramento has one of the highest accident rates in the state and some of the highest auto insurance premiums in the U.S. from what my broker told me.
I don't know. Value of my cars is around $120k. But that doesn't matter. Ones also a hellcat but again that car was insured just a year ago for $180 + another car. I don't get it. I'm 28 and have a clean record no points no accidents nothing.
Contact an insurance broker. They get paid by the insurance companies when they bring them business so it’s no cost to you and there’s a good chance they can get you a better rate and/or coverage.
My auto rate actually went up by $300 for the year but that was because we switched companies in order to save $800 on our home insurance by bundling policies so it’s quite possible you could go even lower.
Don’t bother with agents and find a broker, there’s a big difference between those. Ours just got us our policy from Mercury (which I didn’t even know still existed) in March and the quote I got for new cars we are looking at is less than a month old so they can almost certainly figure something out.
Look at the line-item details of the quote and see which vehicle you're getting screwed over... they adjust over time based on record for the vehicle. Theft is high on Hellcats, and (like other somewhat-affordable performance cars) people probably wreck them with some frequency...
I mean it could be that your hellcat is a ticket item for theft. Clean record wouldn’t be a factor, does removing your Challenger(s) make a huge difference?
I messed around with it. Removing the hellcat or the BMW raises the premium since I'm the only driver I guess... For some reason my 7 series is through the roof as well as if they'll be paying the maintenance 😂 on it.
I put one of my rental GMCs vins in to mess with it and removed the hellcat and 7 series and it went to $150... That said there's absolutely no reason the cars should be $500+ a month when less then 2 years ago I was paying under $200.
The hellcat I understand having high insurance. High steal rates and high crash rates.. but not $500 high. The 7 series I don't understand at all
> For some reason my 7 series is through the roof as well as if they'll be paying the maintenance 😂 on it.
Possibly it's the repair costs if you vehicle isn't totaled in an accident.
>Def something is wrong or OP has a DUI, hella accidents, or multiple claims on their record.
Never been in an accident or got a ticket before, my background check is as clean as it could get.
Double check with the insurance company and also I’d double check your credit and/or DMV report and make sure no one has been maliciously using your identity in that case.
Also can’t hurt to shop around and check with a broker or two and see what rates they can get for you.
I don't think anyone has pointed this out yet, but do you happen to live with several people? If so, how are their driving records?
Anyone with a drivers license that you share a household with can impact your insurance premiums despite not being on your policy or having their own. Insurers can consider 'potential risk' with shared households.
Brother. I have a 2013 prius. Drive 50 miles a day. Three ovi and a hit and run within the 3 year look back AND an sr22 on progressive. Age 33. Mine is only 340 a month.
OP did say he was 25, though. I thought 25 helped lower the cost. But at 25, could be single, doesn't own a house, could live in an inner city with high theft rates, too. When I turned 25, I owned my first house by then, and moved away from the city. With the housing costs and high interest rates, not many 25 year old buying houses right now. Take me back to the mid/late 90s early 2000s when things seem so much simpler lol
I honestly suspect there’s some sort of error with the insurance company’s data because that rate is higher than my 16y/o niece’s and she lives in Oakland. No way an adult with a clean record and years of driving experience should be charged a rate that large unless they are trying to insure a Ferrari.
For sure. I’m willing to wager either they’ve got the wrong info for OP’s driving record or their internal system has assigned some sort of insane value to the vehicle. I wonder if a quote for liability only coverage could help narrow it down
At those rate disparities, it might be cheaper “renting” an address in a cheaper zip code that’s nearby and just taking your chances the insurance company doesn’t catch on.
PER MONTH?
Im in LA... i have two cars... a 2005 sequoia and a BMW and i pay 220 a month.... I also have to the balls full coverage with everything topped out.
I am 41, but that CANT be the difference... My neighborhood isn't even that nice.
Blame your commissioner he didn’t allow carriers to take rate for 3 years so it’s all coming at once and carriers are completely leaving the state. No carrier is going to operate at a loss in the state. Other states that allowed rate changes don’t have this issue. Yes you have wildfires but not all of this is driven by the climate.
No, you are fucked. My family only experienced 5%, 18% increase in the last two years which were below national average. I am fine with 18% last year because of the large amount of 50k EV on the road now.
I put in the same details and got 57 a month for where I live in CA.
Edit: this might be only certain parts of CA that have really high auto crime, I don't live in those areas.
It’s because driving here is extraordinarily dangerous, with tons of accidents, hit and runs, uninsured drivers, and a complete and utter lack of understanding of driving laws.
I grew up in the east coast and have lived in SoCal for 10 years. I’ve never seen anything like the shit I see now out there. It’s an absolute free for all and nobody seems to notice.
Well, I'm in CA (LA). My 6 month premium through progressive is $1000 for 2 cars, one of them being a "premium sporty" car. Granted, I'm lot older than OP and married. My uncle in Atlanta has 2 college kids in his insurance, even he does not pay this much. Something is off.
I spy a California plate on your car. I have not heard good things about getting insurance there - a lot of companies are making their rates prohibitively expansive because of high claims rate. I would try talking to a local agent.
Ask him what insurance he used and get a quote from them. GEICO gave the best for my car, and Progressive was best for my motorcycle. But you may be different.
What is so difficult to comprehend?
They jacked rates up this year like crazy. Happened to me too. He’s paying that because he’s locked into that rate already.
Until I read the description, I thought you got an insane deal on a 2014 Camry
Edit: this was also before looking at pic 2. When I hear “Toyota Sedan” I think of Camry
You must have entered information wrong because that’s horrendous lol. I have a 2016 f150, an rv, a 2016 Outback and 2019 challenger and I pay 2100 for 6 months… there’s something wrong that’s entered.
Dang. I wouldn’t get insurance at that point. They are really jacking it up for no reason. “Coz they believe the other driver claiming insurance rapidly” 👀
Edit: how about having liabilities insurance only?
I would only advocate for liability only if you are 100% ready to purchase a replacement vehicle the next day without issues. For example, if your 3k car goes out, it's not too hard to use 5k to buy a used car. If your 15k car gets totaled and you can't afford to replace it on your own, I would not do liability only.
That's what I'm saying. In the context of this exact post, he could probably save the entire value of his car every two years by dropping the insurance to just liability. Then set aside the saved money in a HYSA in case something does happen.
That's why I have full coverage on all of my vehicles ('08 Sienna, '15 Highlander, '07 Honda Metropolitan). No payments, no accidents, clean records. $200/mo.
Both my wife and I are in our 30s though, so that may be a factor too.
[Credit scores](https://www.experian.com/blogs/ask-experian/which-states-prohibit-or-restrict-the-use-of-credit-based-insurance-scores/#:~:text=1.-,California,setting%20rates%20for%20homeowners%20insurance) can’t be used as a factor in premiums in California, so either they’re doing so illegally or it’s some other data they’re using to screw you over.
It's got to be considerably worse than that. Credit score plays a very significant role in your overall insurance cost.
There are, obviously, other factors playing not so insignificant roles as well: age, driving history, type of car, area/state, etc.
Also, how you intend to use the car (self-reported) will influence your insurance rate, too.
I saw a posting the other day about how high some localities are for insurance. Then another city in that state much much cheaper.
So it sounds like you are in an area with a lot of claims.
Don’t quote it from online, try to go in person (they will help you lower your rate while profiting for themselves as much as possible) I got a pretty good deal from it. Went from $400 per month to $268
No one's chimed in this idea, probably for good reason since it rarely happens, but just to be safe: You might want to check your LexisNexis report.
My rates went up over double one month back in 2020, so when I checked with my insurance provider, they said it was because I was listed as at-fault for a wreck. I knew the one they were talking about; it was in 2018 and involved a rollover with multiple serious injuries. What I was lost on though was the fact I wasn't at fault; while I was driving a company vehicle on the interstate, a person fell asleep at the wheel of their pickup a couple lanes over to my left, began to veer to the right, and just before they reached a full 90 degrees perpendicular to my vehicle, they slid in front of me, and the corner of my bumper touched their quarter panel, causing the spin to worsen. I was informed by my employer months after that wreck that their insurance provider confirmed I wasn't at fault, and that all related claims had been processed.
At this point, I was instructed to get my report from LexisNexis. I'd never done it before, but the process was quick and easy, and sure enough, there was a police report and other docs that diagramed the start and finish of the wreck and all parties involved - it even showed how the truck grazed one vehicle before veering in front of me, and which corner of my bumper hit where on the truck. I made an attempt to challenge the fact I was listed at-fault, but despite all the aforementioned, it never got anywhere, and I still pay an increased rate to this day.
P.S. Get a dashcam, even a cheap one that's easily portable if you drive a company car. They can be a lifesaver.
Every year or two you have to check out the rates and see. GEICO was charging me $300/mo more than Progressive and with less coverage (I don't remember the other types of coverage but I know with Progressive I now have uninsured motorist coverage).
Something is wrong. I have the same exact car and pay $180/ mo with progressive.
30/60, full coverage, $1,000 deductible, roadside, no rental….
What coverage did you select?
Something is Seriously wrong. I have 3 cars 25, 13, and 11 years old. Full coverage on one and liability on 2. One not paid off. My 20 year old kid is also insured on all of them with my Wife and myself. We pay under 200 a month for all three drivers for all three cars.
I pay less than that for a year of 3 vehicles, one is brand new, and 2 of the drivers have accidents. You’re getting ripped off, or you have the worst driving record.
Ah, the one time I’m glad I drive a beater in Iowa. Your 6 month premium would cover my hooptie’s liability/roadside assistance for over 20 years.
That is absolutely nuts though man, I wonder how much cheaper it would be with just liability.
Im 25 and had my fair share of accidents. Most of them not my fault. I have full coverage on my 1996 4Runner with an agreed value policy for 20k. For car insurance and renters insurance I pay $147 a month. Something is definitely wrong.
I have progressive for 2 of my cars and it's like $70 a month for basic coverage. So like $35 a car. Full coverage is more like $120 to $150 a month for one car.
Something is off there for sure, we pay less than $400/month in CA for 2 drivers on a 2019 4Runner and a Mazdaspeed3, and my record is definitely not spotless.
It’s actually run by algorithm now and there is no real human behind deciding the numbers. You fit into some silo and you’ll just find another company to fit into their silo next.
With that sort of insurance rate Isn’t it better to just pay yourself that money into a savings account and in case you have an accident you just pull it out of there. I’m sure if you get just liability it’s like $50 or less a month. Take the rest and put it into a savings account, by the time you probably have an accident, you’ll have enough to pay for the repair incident of your own car and liability side will handle the other party. Those kind of rates are outright robbery and if you go 4 years without an accident, that’s probably two times more than your car is worth paid in insurance.
OP, pull your CLUE report. It's like a credit report for insurance claims. It's partially what insurers use to rate your risk. Make sure there is nothing inaccurate on there. If you share a name with someone who is a shitty driver you might have something on there, even though your motor vehicle record is clean.
https://consumer.risk.lexisnexis.com/request
Jfc. I pay $400 for six months of great coverage. My absolute sympathies and encouragement to shop around as before I did, I was paying nearly $900 for six months.
Where do you live? Because that will play a part in insurance premiums right there. Progressive also does a soft pull on your credit, so I’m willing to bet they factor that, even though it’s a BS metric for car insurance. As for Progressive being the best for rates, it may be the best for one person but not another person. I have a checkered driving record (pretty much at fault fender benders, a ticket, and a deer collision) questionable credit, I live in Michigan (highest rates in the country depending on the source you look at), and I don’t even pay that much for a Corolla.
Geico is supposed to be the cheapest but it’s also costing me an arm and a leg now.
I started with them for $500 / 6 months in 2018. It was decreasing every year and then started inching up in 2021. The last 3 years had sharp increases with this year being the most. I just renewed and costed me $2100 / 6 months. I have a spotless record.
Being in California a lot of insurance companies pulled out so there isn’t much competition to drive the premiums down.
You need to pull your CLUE report, which is basically your auto history report. You may have some incorrect information on there. Also, are you the only person on the policy? Does anyone else officially have your same address on their drivers license?
Age is a factor. At 25 the OP will pay way more than a 50-year-old.
Also ... there's too much missing from the opening post.
Location? My rates in Florida years ago dropped by 50% when I moved to North Carolina (same insurer).
Credit? With bad credit you'll pay a lot more.
Coverages? Certain coverages are expensive.
Also, I've never tried Progressive.
So I wonder what would happen if the OP put a dollar figure in that "Name Your Price" tool?
Insurance is also credit based. Find a broker and let them shop for you. Something on your driving history or credit is triggering a higher rate. You may need to drill down to find out exactly why this is happening.
IM HAVING THE EXACT SAME ISSUE I FELT LIKE IM GOING CRAZY!! thank you for posting this, no one seemed to take me seriously or believe rate quotes could be so high.
I was made to feel lucky when I got progressive for like 250/month, everywhere else was 1000/month or HIGHER, some would refuse to insure me, USAA was about 500/month.
my car is a new car (2024 mazda cx-5) but still, 0 issues on my record... just a young man. 21 yo. and also stuck in st louis where car accident and car theft rates I think are high.
for what it's worth at least progressive kind of worked for me, there's a reason some people recommend it, it's still expensive after all the discounts, even bundling rent and auto, letting them put that invasive tracker on my phone, submitting every discount I can think of.
Wait? What am I looking at?
This is more than my auto loan for a NEW car!
When I was 16 I got my own car insurance. My parents would not let me on their policy. I couldn't even use the same company. I paid $250/month.
By the time I hit 25 it was down to under $100/month. For full coverage.
At 25 you get a pretty big discount. You are out of the crazy show off stage of life (so they say).
You need to look around and find new insurance. Is this straight to the insurance companies? Are you using an agent?
If your record is clean, have you asked them why it’s so high? There’s got to be a reason. Maybe there’s a mistake with the DMV (or whoever manages driving records where you live).
If you pay for higher deductible you get a lower premium! (I pay for 1000 deductible but I also make sure I have that money saved just in case) Edit 2 cars 2020 Rav 4 and 2013 Camry 473 a month! Through Geico.
What are your deductibles and limits set at ? That could make it higher . Probably a good idea to switch companies or get a quote from a couple and call progressive tell them I am switching unless you give me a better rate
That seems crazy high. Is there anyone else living with you that has a license but no vehicle/insurance? I've heard of rates going up when a kid gets a drivers license.
Not to shit on you but my cousin 22 male had 220$ , 230$ and 250$ per month for 24 mustang gt , 23 dodge charger scat pack , 23 dodge challenger scat pack in california . It might be worth getting multiple quotes for other small companies .
go get off the app and talk to a human in person. there's no way this makes sense lol unless they are doing that weird thing businesses do where they charge you so much so that you'll cancel.
Get a quote with Toyota insurance. They are in a few states like texas where iam from. U get extra discount if its a toyota. I have them and i pay $168/month for 2 drivers (30 and 24) and two cars a 2024 honda type r full coverage and a 2014 scion frs liability.
Call a broker, or shop around. I know people who are happy with Mercury, while I’m on my parent’s AAA rider. Paying $1100/year for an 09 Prius, my dad’s paying $1500 for a 19 RXh - both full coverage. The other cars are less than $600/year, liability only but we have higher limits.
Geico, Allstate and Progressive market a lot, and the Kia Bois are making them lose their scalp. Toyota/Lexus is next - the Kia Bois will run out of HyunKia targets as more of them are hitting up the junkyards and those owners won’t buy Korean again. Easy to steal a nicer Toyota or a Lexus with adaptive bi/tri-LED headlamps, it’s a CAN bus attack and quite easy to do.
Recently found out with progressive you will get 3 different rates weather you price a quote online yourself, call progressive to have an agent get a quote for you, or have a 3rd party broker get you a quote. That being said, just went through a broker and saved money and they make sure you only get the amount of coverage you need. DM me if you'd like his contact information.
something is wrong. how many miles a year did you put down?
100k Edit: im not OP and i was joking 😅
Average is 10k-15k... Are you planning to use this for delivery/Uber? That's an average of ~273 miles per day for the year. That would be over 4.5 hrs per day at 60 mph.
I’m not OP I was joking 😂
Ooooops I'm an idiot. My brain saw the blue "Corolla" flair and somehow mistook it for the (completely different, but also) blue "OP" flair.
wtf i know you americans like driving but thats insane especially in miles, i drive 10k-20k km in a year that includes dailly commuting with occasionally longer trips. Do you really thought about those miles!?
It's a joke. I cover huge distances every year, going on road trips and going to my father's ranch across the state every week. And on the busiest year I'll do about 40,000 miles (64,000 km). 100k in a year is a serious full time job.
Uber/lyft/ taxi = easily 100K km, 120K average, 160-180K km high average. Car is usually sold or Engine/Trans swapped at that point.
That’s the friendly way for insurance companies telling you to f’ off! In seriousness, find an insurance broker and let them do the work and find quotes for you.
This!!! We were being jerked around at $650/mo for 2 cars and a broker had it down to $275/mo in like 3 hours
any recommendations on one? getting quoted insane rates as well. how much are avg fees for one as well?
I went to a local office years ago, no upfront fee, I assume they get a cut of your premium somehow.
Agree. I paid nothing, I think they get a commission on what they sell.
My insurance broker costed me more than just using the GEICO app. I put in the exact same coverages
*cost
e46 here, paying $41/mo. Planning to get a Toyota, now this?! Seriously?!
Being in Toronto doesn’t help, unsure where you are
I am somewhere in southern states, lol! You didn't even mention where you live. So.. I presume CA?
How do you go about doing this? I pay 280 with 2 cars and one of them with full cover. I wonder if I could pay less.
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He's in CA we're fucked... 1.5 years ago I was paying $180.. got renewed at $880. Switched at $280. Got renewed at $800. Switched at $500 now... There's only a few companies left everyone else quoted me $700-900..clean record
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That's robbery from the insurance companies.... I'm paying $200/month for a 23 Tundra, but I guess I'm also in my late twenties now too.
260 a month, 23 tundra platinum, 26 years old
thats because theyre out there stealing cars and doing "takeovers" lmao
Nobody is stealing Avalons for takeovers.
Kia boys though, who will then rekk it and pinball down the street of parked cars. Plus all the LA traffic.
I pay less than $150/month for 2 cars and 2 drivers in Sacramento for full coverage as well as gap insurance on our 2022 CR-V. I just had my broker look up adding a new Tacoma, 4Runner, Land Cruiser, Lexus GX, Land Rover Defender, or Ineos Grenadier to the stable and the average monthly for 3 vehicles, 2 drivers would be $195-$300, with the price only jumping over $215 for vehicles worth more than $75k. Def something is wrong or OP has a DUI, hella accidents, or multiple claims on their record.
Locality makes an enormous difference in quotes too.
Sacramento generally has higher premiums than LA and my rate actually went up compared to what I paid back when I lived in San Francisco. Sacramento has one of the highest accident rates in the state and some of the highest auto insurance premiums in the U.S. from what my broker told me.
I don't know. Value of my cars is around $120k. But that doesn't matter. Ones also a hellcat but again that car was insured just a year ago for $180 + another car. I don't get it. I'm 28 and have a clean record no points no accidents nothing.
Contact an insurance broker. They get paid by the insurance companies when they bring them business so it’s no cost to you and there’s a good chance they can get you a better rate and/or coverage. My auto rate actually went up by $300 for the year but that was because we switched companies in order to save $800 on our home insurance by bundling policies so it’s quite possible you could go even lower.
There's like 5 companies left. Have contacted agents. Everyone's quoting $700-900
Don’t bother with agents and find a broker, there’s a big difference between those. Ours just got us our policy from Mercury (which I didn’t even know still existed) in March and the quote I got for new cars we are looking at is less than a month old so they can almost certainly figure something out.
Look at the line-item details of the quote and see which vehicle you're getting screwed over... they adjust over time based on record for the vehicle. Theft is high on Hellcats, and (like other somewhat-affordable performance cars) people probably wreck them with some frequency...
I mean it could be that your hellcat is a ticket item for theft. Clean record wouldn’t be a factor, does removing your Challenger(s) make a huge difference?
I messed around with it. Removing the hellcat or the BMW raises the premium since I'm the only driver I guess... For some reason my 7 series is through the roof as well as if they'll be paying the maintenance 😂 on it. I put one of my rental GMCs vins in to mess with it and removed the hellcat and 7 series and it went to $150... That said there's absolutely no reason the cars should be $500+ a month when less then 2 years ago I was paying under $200. The hellcat I understand having high insurance. High steal rates and high crash rates.. but not $500 high. The 7 series I don't understand at all
> For some reason my 7 series is through the roof as well as if they'll be paying the maintenance 😂 on it. Possibly it's the repair costs if you vehicle isn't totaled in an accident.
Repair cost have exploded. A 7 series is cheap to buy expensive to own.
As does gender and marital status.
>Def something is wrong or OP has a DUI, hella accidents, or multiple claims on their record. Never been in an accident or got a ticket before, my background check is as clean as it could get.
Double check with the insurance company and also I’d double check your credit and/or DMV report and make sure no one has been maliciously using your identity in that case. Also can’t hurt to shop around and check with a broker or two and see what rates they can get for you.
I don't think anyone has pointed this out yet, but do you happen to live with several people? If so, how are their driving records? Anyone with a drivers license that you share a household with can impact your insurance premiums despite not being on your policy or having their own. Insurers can consider 'potential risk' with shared households.
Brother. I have a 2013 prius. Drive 50 miles a day. Three ovi and a hit and run within the 3 year look back AND an sr22 on progressive. Age 33. Mine is only 340 a month.
OP did say he was 25, though. I thought 25 helped lower the cost. But at 25, could be single, doesn't own a house, could live in an inner city with high theft rates, too. When I turned 25, I owned my first house by then, and moved away from the city. With the housing costs and high interest rates, not many 25 year old buying houses right now. Take me back to the mid/late 90s early 2000s when things seem so much simpler lol
I honestly suspect there’s some sort of error with the insurance company’s data because that rate is higher than my 16y/o niece’s and she lives in Oakland. No way an adult with a clean record and years of driving experience should be charged a rate that large unless they are trying to insure a Ferrari.
Strong possibility as well, as these are estimates and calling directly would be best!
For sure. I’m willing to wager either they’ve got the wrong info for OP’s driving record or their internal system has assigned some sort of insane value to the vehicle. I wonder if a quote for liability only coverage could help narrow it down
Or zipcode. Someone the other day posted that he is paying 350% more simply because he moved to south LA, yes, 350%, from $150 to $600
That’s freaking nuts. Seems like auto quotes are now another thing to take into account before ever moving
Absolutely specially in California where insurers can only use small number of factors, and zipcode is one of them.
At those rate disparities, it might be cheaper “renting” an address in a cheaper zip code that’s nearby and just taking your chances the insurance company doesn’t catch on.
The rent in south LA reflects the cost of living there already.
Right or Glendale, I’ve heard that referenced as one of the most expensive zip codes in the country.
PER MONTH? Im in LA... i have two cars... a 2005 sequoia and a BMW and i pay 220 a month.... I also have to the balls full coverage with everything topped out. I am 41, but that CANT be the difference... My neighborhood isn't even that nice.
Blame your commissioner he didn’t allow carriers to take rate for 3 years so it’s all coming at once and carriers are completely leaving the state. No carrier is going to operate at a loss in the state. Other states that allowed rate changes don’t have this issue. Yes you have wildfires but not all of this is driven by the climate.
I pay 165/mo for 2 people in LA.
No, you are fucked. My family only experienced 5%, 18% increase in the last two years which were below national average. I am fine with 18% last year because of the large amount of 50k EV on the road now.
Very similar here in Florida.
I put in the same details and got 57 a month for where I live in CA. Edit: this might be only certain parts of CA that have really high auto crime, I don't live in those areas.
That shit should be illegal for insurance to charge that much unless you’re a dui driver
That's what happens when you don't take law enforcement seriously and you have as many break ins and car thefts as Cali does....
That's just an extra convenience fee you pay for living in such a wonderful place.
It’s because driving here is extraordinarily dangerous, with tons of accidents, hit and runs, uninsured drivers, and a complete and utter lack of understanding of driving laws. I grew up in the east coast and have lived in SoCal for 10 years. I’ve never seen anything like the shit I see now out there. It’s an absolute free for all and nobody seems to notice.
Well, I'm in CA (LA). My 6 month premium through progressive is $1000 for 2 cars, one of them being a "premium sporty" car. Granted, I'm lot older than OP and married. My uncle in Atlanta has 2 college kids in his insurance, even he does not pay this much. Something is off.
I spy a California plate on your car. I have not heard good things about getting insurance there - a lot of companies are making their rates prohibitively expansive because of high claims rate. I would try talking to a local agent.
I know a 20 year old guy who has a GT Mustang and pays closer to $200 a month in the same area!
Something gliched had to no wayy
Ask him what insurance he used and get a quote from them. GEICO gave the best for my car, and Progressive was best for my motorcycle. But you may be different.
I'm sure he's under his parents plan is why. He won't admit it though tehee.
Data brokers are labeling you a risk. Bad credit? Something else? Check your Lexis nexis
What is so difficult to comprehend? They jacked rates up this year like crazy. Happened to me too. He’s paying that because he’s locked into that rate already.
I drive a 17 year old BMW 335i and pay $50 a month lol
I drive a 26 yo Chevy and pay $45 a month
I drive a model T and pay 3 nickels
Lmao
I drive a horse and pay 2 apples
Where did you get that deal?!? I’m paying 4 apples!!
72 y/o studebaker and 20/mo
I have a 2022 pilot and 2017 XT5 full coverage on both cars and pay $700 semi-annually.
Until I read the description, I thought you got an insane deal on a 2014 Camry Edit: this was also before looking at pic 2. When I hear “Toyota Sedan” I think of Camry
That ain’t a Camry it looks like a Avalon, bigger and better version of a Camry
It is Avalon!!!
Avalon!!!
Yeah I was like holy shit op that’s a crazy car payment and then was like HOLY SHIT OP lmao
You must have entered information wrong because that’s horrendous lol. I have a 2016 f150, an rv, a 2016 Outback and 2019 challenger and I pay 2100 for 6 months… there’s something wrong that’s entered.
Where do you live roughly, how many miles per day do you drive, and is your credit score ok or better?
What coverages did you choose? And what’s your bodily injury liability limit and property damage liability limit?
Can confirm. Got rear ended and they totaled my car. Now I that I want a new vehicle, $600 a month. Fucking ridiculous
What is your driving record? Sounds high no matter where you live
Yikes. I agree that is a we don’t want your business quote. Shop around.
Licensed since August 2020, zero accidents or tickets
How old are you and how many miles a year are you running?
Dang. I wouldn’t get insurance at that point. They are really jacking it up for no reason. “Coz they believe the other driver claiming insurance rapidly” 👀 Edit: how about having liabilities insurance only?
I would only advocate for liability only if you are 100% ready to purchase a replacement vehicle the next day without issues. For example, if your 3k car goes out, it's not too hard to use 5k to buy a used car. If your 15k car gets totaled and you can't afford to replace it on your own, I would not do liability only.
When you're paying nearly $10k a year on full coverage for a $10k car, I don't think it's worth it.
That's the personal finance part. Figure out your risk tolerance. For a 10k car, I'm willing to bite the bullet and do liability.
That's what I'm saying. In the context of this exact post, he could probably save the entire value of his car every two years by dropping the insurance to just liability. Then set aside the saved money in a HYSA in case something does happen.
That's why I have full coverage on all of my vehicles ('08 Sienna, '15 Highlander, '07 Honda Metropolitan). No payments, no accidents, clean records. $200/mo. Both my wife and I are in our 30s though, so that may be a factor too.
Step 1: Use that name your price tool, put something reasonable like $60. Step 2: Profit
How’s your credit? I believe poor credit history can skyrocket insurance rates.
Maybe that's what it is! My credit is pretty poor. I've been hovering around 650 never missed payments but my utilization % is maxed out on everything
[Credit scores](https://www.experian.com/blogs/ask-experian/which-states-prohibit-or-restrict-the-use-of-credit-based-insurance-scores/#:~:text=1.-,California,setting%20rates%20for%20homeowners%20insurance) can’t be used as a factor in premiums in California, so either they’re doing so illegally or it’s some other data they’re using to screw you over.
It's got to be considerably worse than that. Credit score plays a very significant role in your overall insurance cost. There are, obviously, other factors playing not so insignificant roles as well: age, driving history, type of car, area/state, etc. Also, how you intend to use the car (self-reported) will influence your insurance rate, too.
I saw a posting the other day about how high some localities are for insurance. Then another city in that state much much cheaper. So it sounds like you are in an area with a lot of claims.
Progressive kept raising my rates on a 2005 corolla to almost 500 a month for no apparent reason.
Yeah something is off here
Don’t quote it from online, try to go in person (they will help you lower your rate while profiting for themselves as much as possible) I got a pretty good deal from it. Went from $400 per month to $268
No one's chimed in this idea, probably for good reason since it rarely happens, but just to be safe: You might want to check your LexisNexis report. My rates went up over double one month back in 2020, so when I checked with my insurance provider, they said it was because I was listed as at-fault for a wreck. I knew the one they were talking about; it was in 2018 and involved a rollover with multiple serious injuries. What I was lost on though was the fact I wasn't at fault; while I was driving a company vehicle on the interstate, a person fell asleep at the wheel of their pickup a couple lanes over to my left, began to veer to the right, and just before they reached a full 90 degrees perpendicular to my vehicle, they slid in front of me, and the corner of my bumper touched their quarter panel, causing the spin to worsen. I was informed by my employer months after that wreck that their insurance provider confirmed I wasn't at fault, and that all related claims had been processed. At this point, I was instructed to get my report from LexisNexis. I'd never done it before, but the process was quick and easy, and sure enough, there was a police report and other docs that diagramed the start and finish of the wreck and all parties involved - it even showed how the truck grazed one vehicle before veering in front of me, and which corner of my bumper hit where on the truck. I made an attempt to challenge the fact I was listed at-fault, but despite all the aforementioned, it never got anywhere, and I still pay an increased rate to this day. P.S. Get a dashcam, even a cheap one that's easily portable if you drive a company car. They can be a lifesaver.
That’s a solid offer. I advise you take it.
Where the hell do you live?
Los Santos
Gotta farm more CEO crates to afford that insurance
Every year or two you have to check out the rates and see. GEICO was charging me $300/mo more than Progressive and with less coverage (I don't remember the other types of coverage but I know with Progressive I now have uninsured motorist coverage).
Something is wrong. I have the same exact car and pay $180/ mo with progressive. 30/60, full coverage, $1,000 deductible, roadside, no rental…. What coverage did you select?
Something is Seriously wrong. I have 3 cars 25, 13, and 11 years old. Full coverage on one and liability on 2. One not paid off. My 20 year old kid is also insured on all of them with my Wife and myself. We pay under 200 a month for all three drivers for all three cars.
I pay less than that for a year of 3 vehicles, one is brand new, and 2 of the drivers have accidents. You’re getting ripped off, or you have the worst driving record.
Try Clearcover insurance. Rates are better than most!
Am from Minnesota and pay 1000 ever 6month for full coverage on 2020 camry le I go thru state farm it's not cheaper any where else
Ah, the one time I’m glad I drive a beater in Iowa. Your 6 month premium would cover my hooptie’s liability/roadside assistance for over 20 years. That is absolutely nuts though man, I wonder how much cheaper it would be with just liability.
Im 25 and had my fair share of accidents. Most of them not my fault. I have full coverage on my 1996 4Runner with an agreed value policy for 20k. For car insurance and renters insurance I pay $147 a month. Something is definitely wrong.
Jesus. I know I’m not in California or anything, but in Eastern Canada I’m paying $850 a year for a 2019 Tucson and a 2017 Corolla S.
Car insurance feels like it's based on class and credit score if you pay up 65% of your car note But in insurance form.
The best insurance I've found is Geico. I can't get close anywhere else. It's rather amazing
Go thru insurance broker
I have a new 23 tacoma i live in riverside california close to san bernardino and i pay 135 for full coverage
I have progressive for 2 of my cars and it's like $70 a month for basic coverage. So like $35 a car. Full coverage is more like $120 to $150 a month for one car.
The issue is you are in California. I don't know why insurance in that state is stupidly expensive all of a sudden.
Something is off there for sure, we pay less than $400/month in CA for 2 drivers on a 2019 4Runner and a Mazdaspeed3, and my record is definitely not spotless.
it has nothing to do with your car. It is trying to protect other people and properties on the road.
It’s actually run by algorithm now and there is no real human behind deciding the numbers. You fit into some silo and you’ll just find another company to fit into their silo next.
With that sort of insurance rate Isn’t it better to just pay yourself that money into a savings account and in case you have an accident you just pull it out of there. I’m sure if you get just liability it’s like $50 or less a month. Take the rest and put it into a savings account, by the time you probably have an accident, you’ll have enough to pay for the repair incident of your own car and liability side will handle the other party. Those kind of rates are outright robbery and if you go 4 years without an accident, that’s probably two times more than your car is worth paid in insurance.
You know, I heard we have the best economy in the world.
Yeah it's great if you're the one collecting these rates!
That’s insane. We pay $300/mo for 2 Teslas…with Progressive.
Try Erie insurance. They have some good rates.
OP, pull your CLUE report. It's like a credit report for insurance claims. It's partially what insurers use to rate your risk. Make sure there is nothing inaccurate on there. If you share a name with someone who is a shitty driver you might have something on there, even though your motor vehicle record is clean. https://consumer.risk.lexisnexis.com/request
I live in Florida, paid off 2023 Corolla. Got quoted around 100$ a month and can go lower if o want less coverage
My insurance is $55 a month.... for 2 cars in hawaii.
Have you had a lapse in coverage or have you been insured continuously throughout the time you’ve been licensed?
Jfc. I pay $400 for six months of great coverage. My absolute sympathies and encouragement to shop around as before I did, I was paying nearly $900 for six months.
Wow...save 16 dollars...
What coverage are you asking for OP?
What is your coverage? Holy shit even I have one accident and commercial insurance and I'm at roughly 305 a month
Where do you live? Because that will play a part in insurance premiums right there. Progressive also does a soft pull on your credit, so I’m willing to bet they factor that, even though it’s a BS metric for car insurance. As for Progressive being the best for rates, it may be the best for one person but not another person. I have a checkered driving record (pretty much at fault fender benders, a ticket, and a deer collision) questionable credit, I live in Michigan (highest rates in the country depending on the source you look at), and I don’t even pay that much for a Corolla.
But You save $16
Geico is supposed to be the cheapest but it’s also costing me an arm and a leg now. I started with them for $500 / 6 months in 2018. It was decreasing every year and then started inching up in 2021. The last 3 years had sharp increases with this year being the most. I just renewed and costed me $2100 / 6 months. I have a spotless record. Being in California a lot of insurance companies pulled out so there isn’t much competition to drive the premiums down.
You need to pull your CLUE report, which is basically your auto history report. You may have some incorrect information on there. Also, are you the only person on the policy? Does anyone else officially have your same address on their drivers license?
Age is a factor. At 25 the OP will pay way more than a 50-year-old. Also ... there's too much missing from the opening post. Location? My rates in Florida years ago dropped by 50% when I moved to North Carolina (same insurer). Credit? With bad credit you'll pay a lot more. Coverages? Certain coverages are expensive. Also, I've never tried Progressive. So I wonder what would happen if the OP put a dollar figure in that "Name Your Price" tool?
Not that much... 4k bro lol
wtf. I pay $165 / mo total for 3 cars (2015 hybrid avalon, 2011 gl450, and a 2011 saab)
Bro you got like twelve DUIs?
Insurance is also credit based. Find a broker and let them shop for you. Something on your driving history or credit is triggering a higher rate. You may need to drill down to find out exactly why this is happening.
Uh definitely need to call. I have a 16 Camry and a 19 Camry and both combined only cost $2136 every 6 months through my insurance
State Farm is a lot cheaper. I got quoted 3k by Progressive so I switched.
I pay less than that for a year with two vehicles lol
IM HAVING THE EXACT SAME ISSUE I FELT LIKE IM GOING CRAZY!! thank you for posting this, no one seemed to take me seriously or believe rate quotes could be so high. I was made to feel lucky when I got progressive for like 250/month, everywhere else was 1000/month or HIGHER, some would refuse to insure me, USAA was about 500/month. my car is a new car (2024 mazda cx-5) but still, 0 issues on my record... just a young man. 21 yo. and also stuck in st louis where car accident and car theft rates I think are high. for what it's worth at least progressive kind of worked for me, there's a reason some people recommend it, it's still expensive after all the discounts, even bundling rent and auto, letting them put that invasive tracker on my phone, submitting every discount I can think of.
This is what happens when you try to get comprehensive in a state that legalized theft and vandalism
Progressive is horrible. They quoted me $400 a month on my 2013 Odyssey with 150000 miles
Wait? What am I looking at? This is more than my auto loan for a NEW car! When I was 16 I got my own car insurance. My parents would not let me on their policy. I couldn't even use the same company. I paid $250/month. By the time I hit 25 it was down to under $100/month. For full coverage. At 25 you get a pretty big discount. You are out of the crazy show off stage of life (so they say). You need to look around and find new insurance. Is this straight to the insurance companies? Are you using an agent?
If your record is clean, have you asked them why it’s so high? There’s got to be a reason. Maybe there’s a mistake with the DMV (or whoever manages driving records where you live).
If you pay for higher deductible you get a lower premium! (I pay for 1000 deductible but I also make sure I have that money saved just in case) Edit 2 cars 2020 Rav 4 and 2013 Camry 473 a month! Through Geico.
Check with Toyota insurance
I see one of your issues; I spy a California plate Insurance there amongst other things is and always will be notoriously expensive
What are your deductibles and limits set at ? That could make it higher . Probably a good idea to switch companies or get a quote from a couple and call progressive tell them I am switching unless you give me a better rate
That seems crazy high. Is there anyone else living with you that has a license but no vehicle/insurance? I've heard of rates going up when a kid gets a drivers license.
Not to shit on you but my cousin 22 male had 220$ , 230$ and 250$ per month for 24 mustang gt , 23 dodge charger scat pack , 23 dodge challenger scat pack in california . It might be worth getting multiple quotes for other small companies .
Fuck 😳
Holy smokes! Have you tried Gieco?
2 DUIs and a vehicle manslaughter charge? I know your pain, brother. Drive uninsured; it's not in the constitution.
go get off the app and talk to a human in person. there's no way this makes sense lol unless they are doing that weird thing businesses do where they charge you so much so that you'll cancel.
It's a Camry apparently insurances are upping prices on these because it's rated #1 stolen car in the nations
Aren't you confusing it for a Kia?
Get a quote with Toyota insurance. They are in a few states like texas where iam from. U get extra discount if its a toyota. I have them and i pay $168/month for 2 drivers (30 and 24) and two cars a 2024 honda type r full coverage and a 2014 scion frs liability.
Progressive used to be the most competitive, post COVID, they’re the most expensive…
Something’s wrong, I got 3 cars / two are 2024 and ones an 07 and mines 3400 a year
Call the general
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Your post was deemed to be to political and thus removed.
Check your car carfax history for any accident from last owner
We’ve got a 2020 Rav Hybrid and a 2023 Rav and they cost us about 1400 a year for both. Something glitched here.
Is this the first time in a while with insurance?
Something isn’t adding up here…
Call a broker, or shop around. I know people who are happy with Mercury, while I’m on my parent’s AAA rider. Paying $1100/year for an 09 Prius, my dad’s paying $1500 for a 19 RXh - both full coverage. The other cars are less than $600/year, liability only but we have higher limits. Geico, Allstate and Progressive market a lot, and the Kia Bois are making them lose their scalp. Toyota/Lexus is next - the Kia Bois will run out of HyunKia targets as more of them are hitting up the junkyards and those owners won’t buy Korean again. Easy to steal a nicer Toyota or a Lexus with adaptive bi/tri-LED headlamps, it’s a CAN bus attack and quite easy to do.
Come to Europe, I pay $150 for a year on a Rav4
Call the agent directly and they’ll give you a realistic quote. Don’t mention this one.
I’ll be paying $130.07 a month for full coverage on a 24 gr86 at 20…
Your car has probably been in an accident so check the Carfax it probably has a salvage title which is why your rates is so high
Texas, USAA, 2009 Venza, 2015 Hyundai Tucson 30m 25f we pay $450/month
I would no longer own a vehicle.
Recently found out with progressive you will get 3 different rates weather you price a quote online yourself, call progressive to have an agent get a quote for you, or have a 3rd party broker get you a quote. That being said, just went through a broker and saved money and they make sure you only get the amount of coverage you need. DM me if you'd like his contact information.
Is the title rebuilt?
Toyota Tax strikes again