NC is no doubt cheaper for insurance. Where I am at is rated in the top 10 for worst drivers in the United States (according to a recent study).
That being said, I suspect that's why my rates aren't even better.
Insurance
- Thread starter spider
- Start date
That being said, I suspect that's why my rates aren't even better.
That's the same thing in Oregon as well, so I suspect it applies to most states.
Lucky for me I live in New York, so I get to pay some of the highest rates in the country for auto insurance!
Full coverage on my TJ is $1026 through Progressive for a 12 year old vehicle, and I am 40 with a clean license.
This post has prompted me to start shopping rates lol
Full coverage on my TJ is $1026 through Progressive for a 12 year old vehicle, and I am 40 with a clean license.
This post has prompted me to start shopping rates lol
Insurance rates by state:
National average $1325
1 Michigan $2738
2 Montana $2297
3 New Jersey $1905
4 Louisiana $1842
5 Oklahoma $1778
6 DC $1773
7 California $1752
8 Florida $1654
9 Maryland $1610
10 Rhode Island $1608
11 Delaware $1607
12 Georgia $1559
13 Texas $1510
14 West Virginia $1456
15 Wyoming $1421
16 Colorado $1393
17 Connecticut $1367
18 South Carolina $1353
19 Arkansas $1345
20 Alabama $1337
21 Massachusetts $1325
22 Pennsylvania $1305
23 Kentucky $1295
24 New Mexico $1277
25 Mississippi $1277
26 Oregon $1267
27 Minnesota $1257
28 Nevada $1221
29 North Dakota $1200
30 Nebraska $1188
31 Arizona $1188
32 South Dakota $1168
33 Washington $1168
34 Tennessee $1145
35 Kansas $1135
36 Indiana $1113
37 Alaska $1078
38 Utah $1061
39 Missouri $1056
40 New York $1050
41 Hawaii $1049
42 Illinois $1035
43 Virginia $1020
44 Iowa $989
45 North Carolina $987
46 Vermont $942
47 New Hampshire $941
48 Idaho $935
49 Wisconsin $912
50 Ohio $900
51 Maine $808
Edit: Reference
National average $1325
1 Michigan $2738
2 Montana $2297
3 New Jersey $1905
4 Louisiana $1842
5 Oklahoma $1778
6 DC $1773
7 California $1752
8 Florida $1654
9 Maryland $1610
10 Rhode Island $1608
11 Delaware $1607
12 Georgia $1559
13 Texas $1510
14 West Virginia $1456
15 Wyoming $1421
16 Colorado $1393
17 Connecticut $1367
18 South Carolina $1353
19 Arkansas $1345
20 Alabama $1337
21 Massachusetts $1325
22 Pennsylvania $1305
23 Kentucky $1295
24 New Mexico $1277
25 Mississippi $1277
26 Oregon $1267
27 Minnesota $1257
28 Nevada $1221
29 North Dakota $1200
30 Nebraska $1188
31 Arizona $1188
32 South Dakota $1168
33 Washington $1168
34 Tennessee $1145
35 Kansas $1135
36 Indiana $1113
37 Alaska $1078
38 Utah $1061
39 Missouri $1056
40 New York $1050
41 Hawaii $1049
42 Illinois $1035
43 Virginia $1020
44 Iowa $989
45 North Carolina $987
46 Vermont $942
47 New Hampshire $941
48 Idaho $935
49 Wisconsin $912
50 Ohio $900
51 Maine $808
Edit: Reference
Holy crap.
I pay $1200 or so a year for 3 cars, the oldest being my 03 Corolla, the newest being an '11 Grand Caravan.
Edit: Okay, now I'm curious as to how/why Montana's rates are so high.
#2 Montana — Montana stayed in the No. 2 spot for the second year in a row with an average premium of $2,297, which is 73 percent higher than the national average and a whopping $411 increase over last year’s Insure.com Montana average.
There are a number of factors that increase rates in Big Sky country, but one of the biggest is the accident rate. Wide-open spaces and lonely roads lead to a lot of car accidents and fatalities. According to the Insurance Institute for Highway Safety, Montana has the highest vehicle accident fatality rate in the country with 22.6 deaths per 100,000 people – twice the national average.
Mines $58/month at Allstate bundled with another vehicle and home insurance at 43 yrs, clean record. My problem is that where I live we can't get insured from any other provider for our home (which is out in the boondocks and beyond the distance for fire emergency response that insurance companies like to have). When I split the cars from the home, the home just went higher and more than offset what I was saving with the cars. I've had over 200 providers searched and none would insure except Allstate. I keep shopping every January though!
You know, having driven through there twice, this makes perfect sense. Welp, so much for moving there.
Has anyone tried umbrella coverage? Is it worth it, and what all does it cover? I pay about $700 a year for full coverage on my Jeep.
That breaks down to $59 a month. Thats very afforadble for full coverage. I've had my vehicle registered in 4 states across America with State Farm, and it has never been that low. Mine is currently around $75/mo.
Buying insurance in B.C. probably inspired that scene in Deliverance :yikes: It's a government run mandatory thing. At one point they allowed private insurance to underwrite the collision/comprehensive portion. As soon as people started taking advantage of that to save a few dimes, the d-bags jacked the basic portion through the roof and lowered the optional stuff. And the older your vehicle gets doesn't help at all. The rates still creep up continuously.
Michigan has a no fault law, which I believe is one of the last in the nation. Basically, it means that all of us with insurance pay for every accident, regardless of fault. Only difference is that I don't pay my deductible if it's not my fault.
It's a stupid law...
It's a stupid law...
I sold auto insurance for many years and if Erie insurance is in your area of they are usually cheapest by far IF you have a good record. Erie was not even one if the companies I could sell but I still use them personally.
If your Jeep isn't your primary vehicle, State Farm allows you to remove coverage but keep the policy "on hold" (for lack of a better phrase) if you don't plan on driving it for a while. That might help save you some money.
Just remember to reactivate the policy if you decide to take it on the street again.
Just remember to reactivate the policy if you decide to take it on the street again.
Similar threads
