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.

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nixass 4 days ago | parent | next [-]

> In NYC with clean 15+ year driving record my premium is $270 a month

This is terrible. In Germany (major city) I pay 166 Eur a month for two cars, one normal (premium brand) family car and second being V8 coupe. I make about 25000km a year in total and have 6 years no claims. No accidents in my driving history (over 15 years). Price is for full coverage with low excess.

	▲	neutronicus 4 days ago \| parent [-]
		This price is probably driven by higher prevalence of uninsured motorists

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mcny 4 days ago | parent | prev | next [-]

> 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.

You're taking about full coverage, right?

	▲	ics 4 days ago \| parent [-]
		Yes but when I tried to switch to liability only it was $20 cheaper. What I pay seems to be the floor, it’s definitely the lowest of anyone I know so far who isn’t claiming to live outside of NYC. Meanwhile my motorcycle insurance, liability only, for an older sport bike was only $400/year with Progressive.

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Grazester 3 days ago | parent | prev | next [-]

Wow.That a bit high even for NYC. Are you male? I have a join policy with my wife with Geico for $166 a month. This includes upgraded $100,000 liability limit roadside assistance and windshield insurance.

I have a crossover/wagon 330 horsepower V6 engine.

	▲	prepend 3 days ago \| parent [-]
		I guess males wreck more. I pay double now for myself as a single man with a car than I did for both me and my spouse and our two cars. Went from $100/month to $200/month overnight.

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devmor 4 days ago | parent | prev | next [-]

Similar here. In Atlanta, have never had an at-fault accident in my life. I pay just under $400/mo for full coverage on my 2019 coupe and my wife's 2015 crossover.

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nightski 4 days ago | parent | prev [-]

Wow that is crazy, also in the US my wife & I pay about $30/each a month.