Curious where you live? The only place I ever paid insurance premiums that high (and not quite that high) was in Ontario. I pay $70.

In NYC with clean 15+ year driving record my premium is $270 a month after discounts with USAA. Geico, Allstate, Progressive all quote me $400/mo minimum. Have driven everything from old beaters to brand new economy cars with little difference. Friends who also drive are paying around $350/mo on average.

Sounds like insurance in Canada is very cheap. Here in California we pay about $400/month. This is for a couple with no accidents in 30 years, in the sweet spot of old enough to have plenty of driving record with zero accidents but not too old to have any age-based penalties, so that's about as cheap as it gets.

Apparently when our child reaches driving age we should expect to be paying about $1000/month for insurace. We'll see when the time comes.

The average car insurance premium in the US is over $2000/year, and over $2500/year for full coverage. I imagine that has an outlier effect and the median is lower, but I'd be surprised if the median was under $100/month. I'm paying just under $1000/year (and yes, in Ontario).

I always chuckle when discussions start comparing insurance premiums without defining the insurance itself.

Might as well compare the prices of apples and oranges and vacuums and space stations.

These comments could be quoting liability only insurance or comprehensive/collision for a kia or comprehensive/collision with bodily injury for a rivian R1S. The insured amount would differ by hundreds of thousands of dollars.

For reference, I have only ever paid for maximum liability only insurance including uninsured/underinsured coverage ($500k/$250k), but not bodily injury, and my premium for 10k miles per year is less than $50 per month. Used to be less than $40 per month before 2022.