Just wondering what everyone is paying for car insurance, especially in California. I recently leased an EV6, and I feel like my Geico rate is way too high. Wanted to see what others are paying so I can make a better choice next time.
I checked out Liberty Mutual, and even with all my discounts (multi-policy, multi-car, etc.), they still wanted about $3600 per year. Tried a few quote comparison sites too, but nothing looked great.
Ended up going with Costco’s insurance discount and got around $950 for six months.
I’ve had my license for over 30 years with a clean record. If anyone has found a better deal, I’d love to hear about it.
I’m in California with a clean driving record. I have a 2024 GT-Line and pay $103 a month with State Farm.
Haim said:
I’m in California with a clean driving record. I have a 2024 GT-Line and pay $103 a month with State Farm.
Thanks for sharing. I’m paying four times that… might have made a bad choice. Feels like the agent pushed me into a more expensive policy.
@Jules
Do you know exactly what your policy covers? Have you checked your declaration page?
Adler said:
@Jules
Do you know exactly what your policy covers? Have you checked your declaration page?
It’s my first time dealing with this, so I wasn’t really sure about the coverage options.
@Jules
Don’t cancel your coverage right away, but definitely shop around. State Farm was the cheapest for me, but some others were close. Liberty Mutual, though, was way too high.
@Jules
I’m in Alaska and have been with Geico since I was 16. They tried to bump my rate from $90 to $120, then up to $195 a month.
I switched to Progressive, kept the same coverage, and now pay $105 a month.
It actually cost me less to insure than my Tesla Model 3.
$1170 per year in Kansas, but I’ve been driving for a while and get a few discounts.
Adding our 2022 EV6 GT-Line increased our policy by about $65 per month. We’re in Washington, though, not California.
Eliot said:
Adding our 2022 EV6 GT-Line increased our policy by about $65 per month. We’re in Washington, though, not California.
It would be helpful to see the actual numbers for the EV6 alone.
@Lex
Not sure how fair a comparison that would be. Our total is around $175 per month for two drivers and three cars (two of them are over 15 years old). Adding an Ariya would have increased it by $110 per month, and a Mustang Mach-E GT Performance would have added $93 per month. If you’re already spending $30k on a car, an extra $30-40 on insurance might not be your biggest worry.
I’m in New Jersey and got my EV6 in October. I’m with Plymouth Rock, and my rate jumped from $170 to $250 in December. Checked other companies, but they’re just as pricey or worse.
North Carolina here. I have a 2023 GT-Line lease with full coverage and a $100 deductible. I’m paying $1100 per year with USAA.
Depends on what you need. The absolute cheapest I found was $85 per month, but I wanted comprehensive and collision ($500 each) plus uninsured motorist, so I pay $115 per month in Ohio.
Southern California, Geico, 2022 GT Line—$1400 per year.
Taylor said:
Southern California, Geico, 2022 GT Line—$1400 per year.
Wow, I’m paying that in three months… really feel like I got scammed into a more expensive policy.
Taylor said:
Southern California, Geico, 2022 GT Line—$1400 per year.
Wow, I’m paying that in three months… really feel like I got scammed into a more expensive policy.
Could be, but there are a ton of factors involved—zip code, driving history, multi-car discounts, etc. If you’re leasing, they also factor in the full price of a new car, while mine is only worth about $30k now.
Full coverage in Arizona. My rate didn’t change when I switched from a 2017 VW GTI to my 2023 EV6 GT. Also have a 2020 VW Atlas Cross Sport, plus homeowners and personal articles coverage. Paying $250 per month with State Farm. People say State Farm is expensive, but they’ve been cheaper than most for me.