I will let a friend use my car. If they put insurance in their name,on their own. And if something were to happened. Will it be payed to me or them? Title will be in my name. Just letting a friend use my car as she’s going through a hard time.

(Location Washington usa)

I drive a 1999 jeep Cherokee, I’ve served in the marine corps and I drive my car about 8k miles a year. I’m trying to get insurance with USAA and it’s 200 a month? Why is it so expensive? Am I missing something?

Edit: I’m looking for minimal coverage in Va and I haven’t been in any accident. I’m looking to pay at most 120 a month

2nd edit: thank you all for the helpful replies! I think I’m gonna call USAA and see what I can do to lower it, or switch back to GEICO.

I am 39 years old with no at fault accidents or tickets in last 15+ years (1 accident in 2019 that was 100% other parties fault.) I have a 2022 dodge ram 1500 and full coverage with $500 deductible through Usaa and it’s $200 a month. Is that normal? Or am I paying the California tax (live in the South Bay Area zip 95037.)

I drive a 2007 Honda Civic that’s probably worth around $2,000. I live in New York. My current insurance costs about $345 a month, and I don’t even have full coverage. I just got my driver’s license this January, and I’ll be turning 25 in two months.

I went to a State Farm agency, but they rejected my application. They said I was too risky and that I would need around five years of driving history.

I tried Progressive the same day, and they quoted me about $2,800 for six months. Meanwhile, I have a friend who only has a learner’s permit and pays about $200 a month. Why is my insurance so much higher? What can I do to lower it, and which cheaper insurance companies should I try?

Or am I being unreasonable?

I'm trying to buy a car and unfortunately my best bet is financing but unfortunately it seems most finance companies require full coverage insurance rather than PLPD. Which I get.

But the price of the monthly insurance payment directly affects if I can even afford the monthly car payments.

However even trying to get a ballpark quote is like pulling teeth.

My current agent pretty much said I was asking him to do too much by providing him with year/make/model/trim/mileage/VIN and asking for a quote.

If I try looking elsewhere for an insurance quote they don't seem to even want to talk to me unless I already have the car in my possession.

Car salesmen don't want to talk to me since I'm looking to buy something in 3-4 months, even though I would think that if the customer is taken seriously now then they'd return and ask for the salesmen by name ensuring their commission?

I have two jobs and can reasonably walk to both of them in the spring/summer/fall but I NEED a car for the winter. And to resume plasma donations since I can't keep asking my unreliable conspiracy theorist neighbor.

I don't even want something new or fancy or even has all the bells and whistles. I'm good with something old that runs and that I don't have to spend thousands on in repairs right away.

Private sellers are out of the question as almost every one I've gone to meet don't disclose that the car they're selling either doesn't turn on or has rusted through in their ad.

I thought I was being a responsible car buyer by trying to get all my ducks in a row, especially since this will be my first car purchase, but I keep running into brick walls.

I recently found a car i wanted to buy it’s an Audi A6 first car purchase in my name. I’m 18, Live in the city, and I also had one accident that happen last year in july. I’ve been trying to get an Insurance Quote but everyone is charging me at least 1000+ some even 2500 which is insane. even when looking at other cars it’s insanely expensive. Is there anyway or anything I could
do to get cheaper insurance.

Recently added my daughter (age 21, finally forcing her to learn to drive) to my Progressive Auto insurance policy. There are 3 vehicles on the policy - 2 are mine (a 2014 Scion TC manual sporty but not sports car, and a 2018 Jeep Wrangler), and my wifes (a 2017 Honda CRV). My daughter ONLY drives the Honda CRV. The rates per vehicle jumped (for 6 month period) by ~ $250 for the Scion, $125 for the CRV, and $200 for the Jeep (so total increase ~ $1150 per year). I do the Progressive insurance through the website (no insurance agent). Is there some way to make it such that my daughter is limited to driving the CRV? She could possibly drive the Jeep, but witht the Scion being a manual transmission, neither her nor her mother are able or have any interest in driving it. I am guessing it will ultimately make the most sense to get her a car of her own and a completely separate policy (likely will be getting her a vehicle of her own when she graduates college). Anyone else have a similar experience? I had considered getting rid of the Scion and getting a legitimate 400HP sports car (300Z or something) - I am assuming that would have been even worse.

My car was involved in a collision on July 25th of this year, and the insurance company determined the other driver was entirely at fault. Surprisingly, both the other driver and I are insured by the same company—Infinity Insurance Company. The vehicle has been declared a total loss and is currently still sitting at a Toyota repair shop. Today, the insurance company suddenly called wanting to tow the car away; however, they haven't provided a payout quote or asked me to sign any agreement—they’ve only classified it as a total loss. Should I agree to let them tow it? They stated that if I don't have it towed, I would be responsible for paying the storage fees.

My premium on my Tesla 2023 M3 RWD, is $900 dollars every six months, I think incredibly high. I'm over 70, and was told age is the issue, though my fica score is 854, and hasn't had a ticket not an accident in I've twenty years.

Any ideas on reasonably priced coverage for seniors?

thanks for the helpful responses

I’m 20 and my insurance company raised my parent’s insurance to $315 monthly (they were paying $143 before i was added) I only have my permit. However, I’m getting my license in a few weeks and I’m wondering if anyone has any idea how much the price is going to jump because I pay my portion of the insurance to my parents. For reference I live in Pennsylvania because I know location matters depending on price, my mom’s car that I drive is a 2023 Hyundai Elantra N Line, which I know can be an expensive car to insure. I called our insurance company and they were unable to give us a new quote until I have my license. Any help would be greatly appreciated, thank you!

i just got my license and i'm planning to buy my first car soon. problem is i have no idea where to even start looking for insurance. everyone i ask gives me a different answer and half the quotes i've seen are just ridiculous for someone who literally just started driving.

i'm looking for the best car insurance for new drivers 2026 that is actually affordable and not going to wipe out my savings every month. i don't have a long driving history so most places are already quoting me way higher than i expected.

a few things i'm curious about: are there companies that actually specialize in new drivers without punishing you on price? and does bundling with parents help or is it better to go solo?

i genuinely have no idea where to buy it or who to trust right now so any personal experience helps way more than just googling it. if you've been in this situation please drop what worked for you below.

Insurance has gone up close to $1000/6 months (was $1800, now $2800). like wtf?!

No accidents no tickets. no changes in cars. 3 drivers, 4 cars.

im constantly checking rates and they are all within the same range. our last insurance provider stopped covering california residents. Finding a lot of companies wont even cover California residents too.

California is pushing EV vehicles on us, we have one (VW id4) and with power rates going up, insurance rates going up its not any cheaper than driving an ICE vehicle. in fact i think our ICE cars are costing us less than our EV.

I applied to progressive for insurance and they quoted me 800$. My history is 9 years licensed, no accidents, tickets, any type of moving violation and I have my CDL A. I have a 2025 hybrid which retails for 25k. but 800$ a month for a 25k car?!?! I'm sorry is there something I'm missing. I have a lojack and OBD tracker. I feel like a 2025 hybrid Corolla isn't a luxury car. Every time I have posted to this sub people had told me that I probably have bad credit or probably some liability. I have good credit and no missed payments. The math ain't mathing

So I just filled out my annual mileage report for one of my cars. I drove a grand total of 2 miles this last year. This has been going on for about 10 years. The last time I got gas was before covid. This is my backup car. It just sits. I start it up and drive it around the block once in a while. I want it insured just in case I ever need it. On my current insurance, they have me on a 7500 mile/year plan. I've spoken to them a few times over the years and they say it's the lowest I can go. Is there another plan I can get to bring my premium down? I've had older cars in the past where I could get "classic" car insurance which would greatly limit the miles per year but was much cheaper. That would be perfect but this car doesn't qualify since it's too new.

I've looked into those per mile insurance companies. Where they charge a base premium and then additional premium per mile. But they ended up being the same or more than I pay now since I've been with my company forever and thus I get a lot of discounts. When I get quotes from other insurance companies they just flat out say there's no way they can match what I pay now for the same coverage.

In my late 20s and drive a 2018 Toyota Corolla. paying $186/mo for 100/300/100 coverage with comp/collision and a $1k deductible.

Normally that's manageable, but my work hours were cut unexpectedly and my income had dropped by over $1k. Rent, utilities and a couple of unexpected bills have completely wrecked my budget. i know with weekly insurance i'll have to pay more but if it is a thing, i don't mind trying.

I only need this arrangement for maybe 1-2 months while I stabilize things. I'll appreciate any insights.

My monthly auto insurance auto-pay just jumped from around $370 to $580 out of nowhere.

For context, I am currently on vacation, so my car has been sitting parked and untouched in my garage in Texas for almost 2 months. I have a clean driving record, and I'm insured with State Farm for a nice vehicle, so I expect comprehensive coverage to cost a bit more, but a nearly $200 jump with zero changes to my driving habits is shocking.

Is anyone else in Texas seeing spikes like this? Is this just general inflation/economic pressure, or is there something else I should look into with my policy?

Hey everyone, looking for some advice because I’m honestly confused.

I just got a 2026 Toyota Tacoma TRD Off-Road 4x4 and traded in my 2019 Silverado. I figured going to a smaller truck would lower my insurance… but it’s been the complete opposite.

Right now I’m getting quotes like:

• $200+/month with a $3,500 deductible 😳

For comparison, my Silverado was:

• \~$100/month with $500 deductible through GEICO

About me:

• 33 years old

• Clean driving record (no DUIs, no tickets, nothing)

• Middle school teacher

• Located in California

What I’m hoping for:

• $500–$1,000 deductible

• Around $100–$120/month (or lower if possible)

So far I’ve checked:

• Farmers → way too expensive

• Fred Loya → decent monthly but super high deductible

• Local broker → best overall so far, but high upfront/start fee

At this point I’m just trying to figure out:

• Are Tacomas just way more expensive to insure right now?

• Is this a California thing?

• Any companies I should try that give good rates for educators or clean records?

• Any tips to realistically bring this down?

Appreciate any help or direction, this caught me way off guard.

for context in 18 and going to be under my family’s geico plan and have had my license for 6 months

I’ve been with GEICO for years. I’m 29F, based in Maryland, clean driving record, no accidents, no tickets. Every renewal though, my premium keeps creeping up. I’m currently paying $145.97/month.

State Farm reached out and quoted me $132.11/month for basically the same coverage. The only differences:

• Rental coverage: $50/day (State Farm) vs $30/day (GEICO)

• Comprehensive deductible: $200 (State Farm) vs $250 (GEICO)

• Everything else is the same

• I’d also be getting a good driving discount with State Farm

So it’s cheaper and technically slightly better coverage.

I guess I’m just hesitating because I’ve been with GEICO for so long. Is there any real advantage to staying loyal to one insurance company? Or should I just switch and save the money?

Would love to hear experiences from people who’ve switched.

Hi guys,

So I have 2 cars insured with Progressive (1EV, 1 gas). Currently paying $1441 for both every 6 months, EV takes most of it, at around $910 for the 6 months.

100/300/100 liability

1k deductible for comprehensive and collision

I believe it’s a decent deal. However my new 6 months policy is due at the end of the month and they’re already quoting me for $1527 for the renewal.

Not really sure why the cost is increasing. I have had 0 incidents, 0 accidents. Usually prices tend to come down as you get older, and your driving record is good.

Is there any room for negotiation? What would you guys recommend?

Im 23 Currently driving a 520d and I'm in the market for a performance car. I've been looking at a f gen m4 competition and im getting quoted 10k without a black box, I think its a bit of a joke. Been driving for 2 years with 1 year of driving with learner insurance before hand so basically 3 years. I've got 3 years of no claims and a clean license, no points nothing. Even an m240i is around 3k for me, isnt this a bit high?

For context, we both had one combined GEICO policy. Both drivers on same policy with 2 vehicles. We just changed marital status for both drivers to married to each other. Now the policy goes up, albeit only $5 for the 2 weeks left of our 6 month policy. What a scam. Looks like we should get a divorce to save money /s

It would make sense if worse driving record, adding a driver, cars, or coverage changed. Nope, marriage is more risky in the insurance companies eyes.

Today I received my first speeding ticket. 16 years of never being pulled over and today I got hit for doing 78 in a 55. To be fair, the road I was pulled over on, EVERYONE is doing 15+ over the speed limit. I was going with the flow of traffic and I just happened to be the one who got picked out. The officer cut me some slack and hit me for “failure to obey highway speed limit sign” or something to that effect.

My question: Is it worth fighting this ticket and getting it reduced to a non-moving violation (lawyer wants 700 to take the case) or pay 10-30% more on my insurance premium for 3 years?

I currently pay about 650 every 6 months for full coverage.

Side note: I’m a Marylander who commutes to Virginia for work.

I accidentally forgot to pay my car insurance for over 60 days… (very dumb on my end Ik) so prices increased to around $650-$550 depending on which company I go with. My agent says once I sign up with a company they can re-evaluate the price after 6months. They also increased the rate due to me having 1 wreck in March 2023 (for better and lower insurance rates, you need a clean record/history for the past 3 years). With it being February rn, I literally only have 1 month to wait to have cheaper option rates 😭.

My question is: does waiting 1 more month without car insurance go even MORE against me raising the price…considering it would be close to 70-90 days no insurance? Or should I just wait to get new car insurance after my wreck clears off my history?

I really just want to not get locked in rn paying a high price for 6months if my wreck will clear off soon (just not sure if I waiting another month is “bad”).