I'm paying $225 a month with State Farm. I'm 24 with a clean driving record in "California", but the brand new truck is what really made mine jump. I've never had insurance for under $175 a month, so $150 is a good deal.

 

I'm paying $225 a month with State Farm. I'm 24 with a clean driving record in "California", but the brand new truck is what really made mine jump. I've never had insurance for under $175 a month, so $150 is a good deal.

 

mine is $732 per yr. ...with 250 deductable....guess they think im too old to hurt anyone...heheheheeeee, boy are they wrong..........

 

24 Married, 2 trucks and a motorcycle $1,500 a year thru USAA.

 

Look in my sig for what I drive. I pay roughly $500/6months for full coverage, $500/deduct with State Farm, No accidents, no tickets. And i'm 21, college student. My insurance dropped considerably when I turned 21.

 

Just getting the prices from individuals can give you a false impression. Much of your insurance rates are based on the zip code you live in and how far you drive to and from work each day. Age, marital staus, driving record and multi-car/house discounts help as well. You have to look at all the factors to get a good comparison.

I am 42, own a house, married and 3 cars and my rates are $1300/yr on my '05 Daytona Ram. $500 deductable and full coverage. I also drive 50 miles round trip each day to and from work. That alone causes my rates to go up. I have State farm and they were the cheapest when compared to geico and American Family. This is for the St louis metro area as well.

hth

-G-

 

True - A person's credit score also plays a big factor. I don't think driving distance has that much impact. I drive 110 round trip daily.

If you live near one of these areas you may not be happy with your rates. I live in the St Louis metro and heard their rates will make the top 10 for 05.

The top 10 metro areas with highest auto theft rates in 2003:

Modesto, CA
Phoenix-Mesa, AZ
Stockton-Lodi, CA
Las Vegas, NV-AZ
Sacramento, CA
Fresno, CA
Oakland, CA
Miami, FL
San Diego, CA
Detroit, MI


Cost of Auto Insurance by State

The following chart is based on a 2004 study by the National Association of Insurance Commissioners of 2002 premiums. It breaks down average annual auto insurance costs on a state-by-state basis, and ranks them from highest to lowest Combined Average Premiums (Liability Average Premium + Collision Average Premium + Comprehensive Average Premium).

State Combined Ave. Premium Rank
Alabama $756.51 36
Alaska $1,034.00 9
Arizona $991.66 11
Arkansas $806.27 29
California $880.47 20
Colorado $1,051.37 8
Connecticut $1,057.57 7
Delaware $990.91 12
District of Columbia $1,191.87 3
Florida $931.15 14
Georgia $883.35 18
Hawaii $840.00 24
Idaho $669.13 50
Illinois $801.75 31
Indiana $741.54 39
Iowa $638.56 51
Kansas $738.35 40
Kentucky $815.64 27
Louisiana $1,064.54 5
Maine $671.25 49
Maryland $910.05 16
Massachusetts $1,062.39 6
Michigan $986.71 13
Minnesota $885.84 17
Mississippi $820.10 25
Missouri $776.21 34
Montana $792.84 32
Nebraska $712.79 43
Nevada $1,011.20 10
New Hampshire $778.64 33
New Jersey $1,283.87 1
New Mexico $860.48 23
New York $1,240.24 2
North Carolina $697.57 45
North Dakota $683.97 47
Ohio $713.67 42
Oklahoma $809.04 28
Oregon $765.36 35
Pennsylvania $871.77 22
Rhode Island $1,095.57 4
South Carolina $818.03 26
South Dakota $694.46 46
Tennessee $747.67 37
Texas $881.74 19
Utah $806.18 30
Vermont $734.31 41
Virginia $712.69 44
Washington $879.11 21
West Virginia $918.41 15
Wisconsin $671.39 48
Wyoming $744.50 38
Countrywide $879.99 N/A

 

The State Farm agent specifically asked how many miles per day I drove to and from work. The rates were higher because of my mileage. The wife only drove 10 miles round trip and the rates were lower for her. The agent said daily miles drive DO factor in. If I lived closer to work then I could have saved an additional $40/month

oh well......

That sucks for us here in St Louis

-G-

 

$298.00 a month here...details in sig

 

I drive a 2003 1500 quad cab 2wd. I'm 23 living in Indiana. My rate is $1,400 for 6 months. I'm still shopping around, but I'm pretty sure I won't find anything much better. My uncle runs an insurance place, so hopefully he'll be able to set me up with something and shave a few dollars off