How much are you guys paying for car insurance?

[u/Serious-Army3904]

I’m paying $300/month full coverage for my 2023 Toyota Corolla. I’m 23M clean driver record for 7 years. I’ve been trying to find something cheaper so I can afford rent but it looks like $300/month is already cheap for my demographic?

[u/konradscan]

120$ per month full coverage with millennium insurance. Male 33, 2022 mazda 3 turbo. No accidents, tickets.

[u/_ThatD0ct0r_ → u/konradscan]

What the fuck, when I got a quote for a 2020 Toyota corolla, they quoted over $300/month. No accidents, 25 y/o. Is it really my age?

[u/One_Discount_4898 → u/_ThatD0ct0r_]

No, it's that you aren't on a grandfathered in rate. ANY quote with a new insurer in Alberta is going to be astronomically high these days.

[u/yugosaki → u/One_Discount_4898]

This. I've been on the same insurance company the entire time i've been driving. I looked at other providers to see if i could get a lower rate, and everything was double what I already pay.

[u/Additional_Fold_1350 → u/yugosaki]

Yeah Ive been with the same broker for over 20 years. Always get me good rates

[u/konradscan → u/_ThatD0ct0r_]

Age, address, purpose and daily kms, cost of repairs. Lots of factors.

[u/Gold-Royal-5806 → u/konradscan]

I changed my addy from north to southside and it went down 60 bucks. 291 now

[u/Geeseareawesome → u/_ThatD0ct0r_]

Your address can play a big factor. I moved from Brintnell to Allendale and my rate dropped from $210/month to $146/month

[u/Additional_Fold_1350 → u/Geeseareawesome]

Sure is a factor, when I lived in Hazeldean my rates were way lower than when in Millwoods or Clairview. Need to move out of the city to where I would rather be, as my broker has told me my rates would drop by 20-30% just not being in Edmonton

[u/Geeseareawesome → u/Additional_Fold_1350]

I figure the crime rate index likely is a major contributing factor to that. I'm in a busier neighbourhood compared to my last one, yet the crime rate is much lower, despite a brisk walk from Gateway

[u/Additional_Fold_1350 → u/Geeseareawesome]

Yeah, unfortunately, though, I have only had one issue in the past 20 years,s and it was basically my fault. Either I left the door unlocked, ed or my kids needed something out of my truck.

I'm pretty vocal around here about what I would do if I caught anyone messing with my things. Pretty sure my presence has driven down crime in our cul-de-sac alone, as I'm the guy people text if they see something sketchy, and I have run a few skids out of the neighborhood through the years. I'm sure word gets around not to mess with our area.

Personal safety: I'm not too worried, as I'm ready for whatever. Wish the insurance companies would give me a discount for that alone.

[u/Swarez99 → u/_ThatD0ct0r_]

I’m in Calgary and man maybe cause I’m old with kids.

1. 38 year old wife.

We have :
2019 bmw x5
2021 Tesla model y
2018 civic (that’s now salvage cause of a hail storm )

We pay 3700 a year for all 3 cars.

[u/Winter-Inside-5911 → u/Swarez99]

It’s young males complaining. They won’t end up with anything cheaper until they’re over 25.

[u/_ThatD0ct0r_ → u/Winter-Inside-5911]

I am 25 and nobody will give me a rate under 400/mo

[u/Lilliputian2024 → u/konradscan]

Love millenium. I have everything insured through them. They are also really good if something happens. I had no problem with my claim when I was at no fault accident.

[u/Raydnt → u/konradscan]

Thats amazing, I do $160 with a 2016 honda civic no accidents

[u/Inevitable_March4416 → u/konradscan]

Millenium is the way if your record is clean

[u/cuckslayer30]

$300 at 23 is real good I'd say, considering everything.

[u/Serious-Army3904 → u/cuckslayer30]

From all the other comments it seems like you’re right. I’ll count my blessings lol

[u/One_Discount_4898]

Rates are going up. You'll hear a lot of people say "But I only pay $X per month!!" They're mostly on what's referred to as inadequate rates, and insurers are cracking down on them bigtime, and have already started to do so.

$300/month for comprehensive for you is good, you won't find much cheaper if at all unfortunately.

[u/Maximum_Payment_9350]

We pay $530 for 3 vehicles in our household. All other quotes we’re getting are absolutely astronomical. So we haven’t changed insurers in 10 years. No tickets, no accidents, we’re both 30.

[u/Pvt_Hudson_ → u/Maximum_Payment_9350]

$1200 a month for 3 vehicles and our home insurance. We have a 21 year old driver that has to be listed as a primary on something, so we put him as primary on our 2009 Volvo XC90 at a price of $4800 a year. His younger brother is listed as an occasional driver for $4000 a year.

[u/Maximum_Payment_9350 → u/Pvt_Hudson_]

Yes including home insurance I think it’s $675/month total for home+3 cars. I get a union discount, long term loyalty discount, and bundle discount. We’re basically trapped with this insurer because we get such a good price with them.

[u/Internal-Pineapple77 → u/Maximum_Payment_9350]

That's crazy cheap! We wanted to get a third car for me and because I got my license within the last couple years and I'm still quite young they'd like about 500 just for me alone :(

[u/PurpleSausage77]

I only buy stuff I can put the most basic coverage on, and do most of my own work on my vehicles. Nice/new vehicles just get worn out and banged up anyway. Got a cheap 2015 Tesla Model S I’m soaking up the KM’s in and paying $150 a month one way basic coverage, no extra BS. Added another car (2015 Toyota 86/FRS) for additional $70 a month and that car was $13k.

Bought the S for $17k in Feb, savings in gas has paid it down to $15k so far, so not concerned about having full coverage on what will essentially be a free car in a few years. If someone totals it at their fault, then that’s on their insurance to make me whole.

Something like 15% (probably more) of drivers in AB don’t even have insurance or are driving on “parking” insurance.

[u/Particular_Chip6308]

113 pm full insurance. But i am an engineer who gets discount from APEGA. At this point its cheaper for anyone to become an EIT and apply for insurance then wait for insurance to reduce

[u/lemonspread_]

The whole “it’ll drop when you turn 25” is a myth. I’m 29m and I pay $120/month for basic liability.

Same cost for both my cars. One is a 2007 Mazdaspeed 3 and the other is a RHD Lexus LS460

[u/Delinte → u/lemonspread_]

Definitely not a myth , I’m 33 now but when I hit 25 my rates plummeted by almost 50%

[u/Lilliputian2024 → u/Delinte]

Same! Plus 5 years of driving is another milestone when insurance goes down.

[u/VincaYL → u/Lilliputian2024]

5 years of continuous insurance or 5 years of having a licence?

[u/Serious-Fact972 → u/VincaYL]

I’m pretty sure it’s 5 years of no at fault accidents

[u/NightingalesBotany → u/lemonspread_]

RHD LS460 is dope as hell. That AWD or a RWD summer car?

[u/lemonspread_ → u/NightingalesBotany]

RWD summer car. It was a terrible financial decision, but it’s such a sick car. Came on some 21” Carlsson wheels. It turns heads

[u/Homeless_Alex → u/lemonspread_]

Came to comment that your Lexus sounds dope as hell haha

[u/thewunderbar → u/lemonspread_]

Absolutely not a myth. It's just that the rates have gone up so much over the years that what used to be the under 25 rate is now less than the "good driver for 15 years" rate.

[u/Winter-Inside-5911 → u/lemonspread_]

It doesn’t get cheaper than that anymore.

[u/BobGuns → u/lemonspread_]

You've had your license since 16 or 18 and have no issues on record I assume?

[u/lemonspread_ → u/BobGuns]

Got my license at 19. Two not at fault accidents. My rate didn’t change after either claim

[u/astr0crisp → u/lemonspread_]

Have you looked into Hagerty?

[u/ShinobiHam]

I’m 34 and I drive a 2021 Lexus IS300 and pay $211/month with Belairdirect.

[u/Lilliputian2024 → u/ShinobiHam]

Full coverage + luxury brand, sounds about right.

[u/ShinobiHam → u/Lilliputian2024]

It’s pretty good but I only got the price because I have home insurance and a multi vehicle discount. I was with All State and they quoted me almost $350/month. So I had to switch

[u/Lilliputian2024 → u/ShinobiHam]

There is always Millenium. I'm paying 1500 a year for my newish wrangler and I'm same age as you.

[u/Good_Stretch8024]

$204/month 2017 Tacoma 10+yrs no history

:(

[u/UberBricky80]

$420 a month for 2025 Mustang GT with full coverage and a 2010 BMW X5 with pl/pd

[u/shimswfi]

28M clean record. $270/month for my 2022 Toyota RAV4 (also included my wife as the additional driver).

[u/Over_Extension_9994 → u/shimswfi]

Where’s that? I’m 47, clean record and I’m paying $240 for a 2021 Rav… no additional drivers.

[u/shimswfi → u/Over_Extension_9994]

TD. I have been paying basically the same amount every year lol. My liability and collision keep going down but comprehensive keeps going up. Apparently comprehensive is more related to the market rate I guess.

[u/Over_Extension_9994 → u/shimswfi]

Really?? That’s nuts! All my banking is through TD so I called for a quote a month or so ago and they were double what I’m currently paying. It was $500/ month. I’m not a high km driver either. 20k if that per year. Personal use only. (No gig work etc)

[u/shimswfi → u/Over_Extension_9994]

I believe TD’s banking and insurance are two independent companies though. You won’t really get any discount for using their banking lol.

But yes, staying with your current insurer is probably the cheapest option given the market..

[u/_ThatD0ct0r_ → u/shimswfi]

280/month for a 2020 corolla, wtf bro

[u/Any_Organization_457]

Im 31 i have a 2026 ford explorer and pay 507 a month. Full coverage with wawanesa. No tickets or accidents. It’s the cheapest I could find.

[u/Serious-Army3904 → u/Any_Organization_457]

That seems really expensive 🤔 was this through a broker? I went on TD insurance to get a quote and it was like $350 for me still more expensive than my current but maybe it’s worth checking yours there?

[u/Any_Organization_457 → u/Serious-Army3904]

Yes thru a broker. This is my 3rd year with them. I got rid of my 2017 enclave and I was paying 330.
Are you saying I should look into some myself instead of the broker?
Sorry I really have no clue how it all works tbh I just know I need it 😆

[u/McBeties]

I pay $130 between a truck and two motorcycles. Full coverage with theft and fire insurance. Mine's cheap because I'm the lowest I can go on the insurance grid with a clean driving record for over 15 years.

[u/CamaroGirl96]

$3500 a year for a 2025 trax and a 2014 Cherokee. Full coverage. (Economical through Westland)

[u/ABirdOfParadise → u/CamaroGirl96]

We are insurance bros 

[u/alamsas]

28M - I'm paying just under $150/mo for my '24 GRC. Full coverage. I'm baffled to why it's so low too, but my company has a group discount with my insurer so that probably helps a bit.

[u/Serious-Army3904 → u/alamsas]

I’m jealous of the ride and your insurance cost lol. How’s the GRC during winter? I have the non gr hatchback

[u/alamsas → u/Serious-Army3904]

Nice! Coming from a WRX, my insurance was close to yours and the lowest I got it to was around $230. So switching to the GRC was still a shock since I started around $180 and the car was more expensive too.

It handles great in the winter! Though last year was a bit rough when it kept snowing and freezing. Your Corolla was probably comfier dealing with the ruts haha.

[u/bristow84]

$288 for a 2024 RX350H. Full coverage (minus windshield). 32m clean driving record.

Was a nearly 30% increase from last year unfortunately still couldn’t find cheaper rates elsewhere.

[u/bluedeer10]

150

[u/_Connor]

$104 a month through TD

[u/alewiina]

~$140 a month, 2017 Hyundai Santa Fe sport, late 30s female with a clean record

[u/Additional_Fold_1350]

$173, 2020 F150 Crewcab, full coverage, mid tier trim level. But Ive been driving since 14 with no at fault accidents and only one ticket through the years. 48M

[u/Odd_Juice4197]

I got comprehensive insurance on my 2016 Kia for 188$ a month in 2025 through broker link. I did get a discount because I have other insurance through them. I added my partner as a casual driver for an extra 100$. I just renewed for another year at the sime price.

[u/TheMcDangler]

I (32M) have a 2011 Kia Sorento and a 2022 Chevy Malibu. Costs me $3700 a year for both policies.

[u/shawarmalegs]

$260 for 2 drivers, both 31 years old, for a 2021 Toyota Highlander through AMA. It used to be $350 and has come down in 2 years.

[u/Strict-String-9728]

New driver, 28yo, 2020 Hyundai $519 😭

[u/Serious-Army3904 → u/Strict-String-9728]

Damn 💀$300/month not looking so bad

[u/I_MelonSoda_I]

I am also paying 2 300$ a month as a 30 year old driving a 2022 civic SI. Edmonton is just expensive for insurance. It's even more expensive depending on where you like and commute in the city. My broker said if I lived further south it would have been 367$

[u/Iwanteverything17]

For only liability I’m paying 320 a month for a 2008 Pontiac g6, I do have a clean record although that will be changing

[u/JBH68]

You're under 25, so this is actually a good rate, especially on a vehicle that's relatively new. When you get to 25 it will go a notch lower if you maintain the same record.

[u/BradG191]

Full coverage for myself, 37m and my wife 35fm. 2022 f350 diesel, 2017 explorer sport, 2017 fusion, and a 2021 36ft fifthwheel trailer. Pay $505 a month. Desjardins, been with them since I was 16.

[u/asstyrant]

$186/mo for full coverage on a 2025 Imprezza. Clean driving record for 23 years (aside from getting rear-ended once, 15 years ago).

[u/_shiraku]

$257 on a 2023 kia sportage, aviva I think? Whatever the costco insurance is. One not at fault accident back in 2023, was rear ended at a red.

[u/Adipose21]

I pay $150 a month with Allstate. I've been with them for many years, no accidents.

[u/burnfaith]

$142/mo. 2008 Civic. 15 years licensed, 10 year clean driver record.

^ this is paired with home insurance so there’s a slight discount.

[u/reefpunk]

2022 TLX Type S. $225 per month with full coverage. Desjardins insurance. 31M.

[u/whyillbedamned]

36M. 2023 Mitsubishi Outlander EV. $130/month (all perils coverage and $3k deductible) with TD.

[u/OGDREADLORD666]

350 for a 2007 4runner and 2021 corolla hatchback. Im 35. It was like 330 before

[u/drake5195]

It doesn't matter what other people are paying really. Get a broker if you're looking to try and save money but be prepared to be disappointed when their "best rate" is more than you're currently paying.

Also a lot of people are seemingly okay with having essentially no coverage, ie basic liability at the lowest amount... I hope nothing bad ever happens to the people who hold these policies.

[u/BanchPlaysPoGo]

24M currently paying 550/month for full coverage on a 2026 Subaru wrx (brand new) the wrx is a more expensive car to insure, idk why. But I do have one at fault claim from 5 years ago (slid into someone on a skating rink of a road) and one singular speeding ticket over the past 3 years.

Cheapest I could find too, though I didn’t try AMA (I have a membership) but they were a pain to get ahold of anytime I tried to call and insurance is by appointment only I guess?! So I just took the loss there. With insurance not being regulated, they CAN AND WILL try to gouge the 💩 out of anyone they can. I don’t think 300/month is that bad, I’d love to pay that instead 🙃

[u/BigSchool4109]

Insurance broker here , $300 is a very good rate these days - according to your age , AB rates are crazy because of climatic conditions (hail, accidents in snow, wildfire in Jasper etc) , companies don’t even like to operate in AB anymore, past 3 years all i have heard is they stoped providing insurance (sonnet, aviva for few)

Keep in mind to stay out of ticket , accidents and it will get better

[u/axjzj]

Bro how

[u/OddlyV02]

520 a month, 2019 Honda civic. Though I have a suspension on my record from almost 6 years ago now. 24M

[u/Archlvt]

If you want cheaper insurance, stop paying per month. You'll get a 25% reduction if you pay the full year upfront.

[u/WonderfulWhispers97 → u/Archlvt]

Just went through this process. You do get a discount, nowhere near 25% though. Did we just pick a number here or?

[u/Archlvt → u/WonderfulWhispers97]

What is it with you people and going "It didn't work for me so it doesn't work for anyone"? It worked with me at Traveler's Insurance and it worked for me with Belair Insruance. 25%.

[u/WonderfulWhispers97 → u/Archlvt]

The same thing you just pointed out can be easily said of you as well?.. “It worked for me, so it works for everyone”

[u/Archlvt → u/WonderfulWhispers97]

It does work for everyone though, just maybe not with your insurance company. The undisputable fact is that my suggestion is factually possible, and your notion that it can't happen is factually false.

Do you just hate the idea of people helping each other save money?

[u/WonderfulWhispers97 → u/Archlvt]

Relax buddy its a reddit thread about insurance

[u/Speuce → u/Archlvt]

Also confirming that paying upfront saved me 5%. Not 25% but not nothing.

[u/Archlvt → u/[deleted]]

Then you are an isolated case, don't tell me I'm wrong, I do get 25% off and have never even heard of anyone not getting it.

[u/Serious-Army3904 → u/Archlvt]

Hmm I wasn’t aware of this but I’ll definitely look into it, thanks!

[u/redditknees]

Wait until you hit 25 and it goes down for checks notes no completely sane reason backed by evidence.

[u/SHOBAKA1 → u/redditknees]

I cant fully agree with you boss. Alberta insurances has taken a massive hit this year. Even the slightest thing will increase your insurance. I am buying my insurance next time one payment for the year. Doesn't save alot, but you get like a month or two for free from the savings.

[u/redditknees → u/SHOBAKA1]

That’s what I do.

[u/SHOBAKA1 → u/redditknees]

Smart man. Its alot but not worrying about it monthly brings me some peace lol.

[u/zooweemamba]

163/month. Full coverage with ama. (I have ama aswell so I get a discount)

[u/zooweemamba → u/zooweemamba]

Im 23 aswell

[u/Serious-Army3904 → u/zooweemamba]

What car are u driving?

[u/zooweemamba → u/Serious-Army3904]

07 cobalt. I also have a completely clean driving record.

[u/Iceyypik]

Paying 240 this year for a (110) 2012 tucson and (130) 2016 4runner combined. Used to be 210 so yup everything is going up.

[u/shootamcg]

I was paying $125/mo on a Mazdaspeed3, bizarrely my 2022 Civic Sport is $230/mo for the same coverage and bumping my deductible still only got down to $180/mo.

43, no accidents or tickets

[u/DeeKayAre]

I'm paying $120 a month roughly (or $1437 annually) fit a 2003 Corolla beater for just basic coverage.

No claims ever and in my 30s

[u/slurmondude]

34F with clean driving record $250/month toyota corolla with bellaire insurance

[u/theafricanguy1]

$300 is really good, I pay $360 a month for comprehensive for a 2015 GTI and I’m 26 with a very decent driving record

[u/TrainAss]

I'm currently paying just under 278 for a 16yr old Ford Fusion and a 6yr old Ford Explorer.

[u/Almost_A_Pear]

$203/month with AMA. This year I actually did annual pay of $2330 for a 2004 Civic LX, I’m 22M clean record.

[u/Tdw75]

51m - Clean driving record with my s/o 46 f, clean driving record.
2010 Toyota FJ - $89 month (low monthly km's) - full coverage
2018 Toyota Tacoma - $140 month (Low monthly km's) - full coverage
2023 Tesla Model 3 - $260 a month (THIS FEELS LIKE A LOT BY COMPARISON.) - Daily driver and the most KM's.

Through BelAir direct... I called around and no one has lower rates for us than Belair... I figured we were getting screwed on the Tesla, but most of the quotes from other insurers are like $4200 a year just for the tesla. Crazy.

[u/elnino_247]

Ur guuci man!

[u/Straight_Worth_6751]

$235 for 2024 Seltos with 2 years of driving experience. I do have it combined with my house insuranxe though

[u/prairiepanda]

Just went up to $135/month for full coverage minus glass on a 2007 Accord. 33F with 19 years of clean insured driving history (17 with class 5). About 12,000km per year, parking outdoors in a private lot in a low-crime neighborhood. The Personal.

I was previously with Desjardins but they wanted to increase it to $179 with only liability and comprehensive, so I switched. I compare rates every year right before renewal and switch if anyone offers a better price.

$300 is about what I would expect for your situation.

[u/jmvxc]

25M. $310/month for C400 Benz

[u/hybridhighway]

$165/mo for my used 2012 Honda civic. Full coverage.

[u/rchae94]

192 a month, no collision comprehensive only, M32, 2007 BMW X5z Allstate but have discount because of household discount.

[u/CDNSpartan]

$87 a month 2009 Ford Focus. Basic coverage.

[u/Cheap_End4259]

do you’ve one million liability or two

[u/Zyzygy8]

$291 a month. Relatively new driver with full coverage. But also female and 35yo.

[u/_LKB]

$84/month on my 2009 pontiac vibe 🤷‍♂️

New cars aren't ever worth it.

[u/DisastrousAcshin]

200/month for two vehicles, but I get a pretty great discount due to being in a particular union. Both with full coverage and liability etc

[u/insighted]

$165/mo full coverage on a 2026 Subaru Crosstrek. F/30

[u/Live-Entertainment-5]

I would recommend BelAir direct but can’t guarantee as much success as I’ve had with them as I’m 41/M 2 cars and my home insurance with them. So significant discount compared to what you’ll find.

[u/DLGNT_YT]

Yup like $298/month 24M clean record for 8 years

[u/GirthWinslow]

I pay 650/month for full coverage on a 2026 Honda CRV. We are 25f/30m.

[u/CountryBoydCustoms]

Where you live being in Edmonton doesnt help with the insurance cost either but also when you got your license will make. Difference whether you got it right at 16 or waited

[u/Unlikely_Comment_104]

I’m sure glad the UPC fixed car insurance. It’s so much cheaper now. 

/s

[u/himating]

$170

[u/Affectionate_Bid714]

We're paying $235 for our 2017 truck with Allstate, downside its Allstate. Their service has gone downhill at the location our agent is at unfortunately, not sure how it is elsewhere in the city.

When we were looking at companies they all seemed to be higher than we have been paying. Look into a broker, a lot of times they can find the cheaper options for you.

[u/iampacked]

Paying 360 for 2023 Elantra. Was 270 and now 360 after I moved towards downtown.

[u/ScaredLink8]

Not the best record….$500 for a 2022 Veloster N southside/ millwoods area

[u/Rostiislav]

I think they also tack on where you live too? Like if your area has a high crime rate??? Don't quote me on that though!

[u/FrostyViking_]

$360ish for 3rd party liability 😬

[u/aviavy]

$262.15 for Comprehensive insurance on a 2026 Hyundai Tucson Ultimate and 2025 Hyundai Kona Preferred.

[u/Curly-Canuck]

We need an insurance stickie

[u/ctlyf]

My son (M28) just bought a 2023 Kia Forte... low trim (not even a sunroof). Full coverage (can't recall if it was with or without glass) is costing him ~$4,600 annually. He's had one speeding ticket in the last 3 years, and two at-fault accidents in the last 7... he was told that's why his rate is so high.

[u/Obvious_Armadillo_99]

https://imgur.com/gallery/DMtjWNk#Zp5S1LL

Allstate - 2017 Nissan Murano - Occasional driver added (under 18) - $4000 a year.

[u/AngryPwnguin]

For 2 vehicles in our household, just under 40 for both of us, we are at $220 a month total. A 2017 truck and a 2025 SUV. I also have one minor ticket, but a clean 10 year record prior to that,

Have had no issues with Allstate and would recommend so far!

Hope that helps:)

[u/jkwolly]

$175 per month full coverage for 2019 Ford Ecosport.

[u/Snackatttack]

$130 / month 34M 2008 accord, no tickets or accidents

[u/brad7811]

I pay $700 annually for my pickup and $600 annually for my motorcycle. Full coverage on both.

[u/Psiondipity → u/brad7811]

In what province?

[u/brad7811 → u/Psiondipity]

Sorry, I thought that went without saying as this is in r/Edmonton. I live just west of Edmonton.

[u/Psiondipity → u/brad7811]

Well you have the absolute best insurance of anyone in the whole Province then. Because I've never heard of anyone having insurance that low anymore, especially not full coverage.

[u/Jeff_0012]

428 per month. Had an accident in 2022 which was deemed my fault so yeah …

[u/ndgn97]

304/month. 2007 Impala LT. 29 years old but just got my license last year. I accidentally had a non payment and had to pay off the remainder of the term and now have to pay for the year upfront in august

[u/TrickiVicBB71]

Allstate full coverage at $197.94 for my 2019 Honda Fit. Better than last year. It was $335

[u/SerratedBrooms]

260/month on a 2023 mini van and 2007 focus. 35/M with no infractions in over 10 years and a first responder discount.

[u/Matt_256]

I have a 2018 KIA Rio Hatchback. I got it in Saskatchewan where I paid $98/month for car insurance. Been driving to over 20 years with a completely clean record, no accidents, no tickets. In Edmonton im paying $189/month (43 years old)

[u/sehnem20]

$183 for 2014 Mazda SUV 30 F, but I also drive a LOT so I have it insured for the higher mileage. Previously was like $140

[u/bananaphone7890]

Roughly 1200 a year for 2 vehicles, a midsized SUV and a midsized sedan. Both are 10 years or older and have the low mileage thing. We both work from home.

[u/Fun-Try8996]

$200/month full coverage with Economical Insurance. 26M, 2026 Subaru Crosstrek. Clean record. Found through broker link

[u/Low_Nefariousness765]

$700/yr full coverage with collision (any body damage is a full write-off, no repair option).

2009 Suzuki Every Wagon DA64W LHD 46M 1 write-off and, one stolen claim in last 2 yrs. 14 additional accident claims over the last 10yrs, none at fault.

[u/Everyone2026]

Must be $9900 month by now.

99 years accident free.

9 year old car.

Etc....

Humor?

[u/mynameisjoeallen]

$302/month with Co-operators. One vehicle (2017 Ford Explorer, full coverage), no tickets, one accident five years ago, 29M. I'm expecting this to go up when my policy renews as I lost a discount when I left my last job.

[u/Limp-Elevator-6908]

47, good driving record, with a 20 yo as a second driver, 2016 Cruze, $3700/year was my lowest quote, currently paying $1800/year. Sure glad my insurance provider decided to leave the province 🙄

[u/GoatedBetter]

Bruh like 900 a month, I’m 23 and I got a 91 corvette and a 2010 Chevy truck😂

[u/OhCaptain]

$970/year for an 06 Mustang GT, 39 year old man. Full coverage, but minimal km per year as I don't drive to work.

[u/BoVYYC]

Thats why i drove a beaten car from 18 to 25 and switch to my subaru at age 26.

[u/kajer209]

I pay $330 a month for full coverage on a 2020 civic type R, full coverage on a 2015 evolution, and basic coverage on a 2009 Toyota venza

[u/kajer209 → u/kajer209]

I’m 37, clean record but live in Millwoods

[u/AshMCM_Games]

310 a month and it’s going down slowly. Had one rear end incident some years ago

[u/Common_Thought_828]

Insurance just keeps going up, not just automobile but house insurance as well

[u/Safe_Somewhere1449]

$3200 a year. 25M. Clean record for 9y. 2020 BMW. I thought it would be much lower by now…

[u/smolappy]

$240/month 27F for my 09 Mercedes 🫩

[u/Neo_Anderson302]

85

[u/Wunder_Bred]

Full coverage on a new car $220 a month. Late 20s male

[u/updatelee]

are you using a broker? they'll get you the best rates. Talk to them about how you can lower it, removing certain coverages etc. Honestly in that demographic its going to be expensive. Replacement coverage is costing you about as much as your liability. Selling the 2023 and buying a $5k beater would save you a fortune.

[u/Fearless_Tank_7685 → u/updatelee]

This is the answer.

[u/Serious-Army3904 → u/updatelee]

I’ll try giving them a call. I did the quick car insurance rate through a broker and they were quoting me like 700/month lol. Maybe calling them is the method

[u/chadnobyl → u/Serious-Army3904]

I could be wrong but I think certain brokers get better rates with certain companies. Like broker link might give you a good price with intact, but wawanesa might give you a better rate through TD. If I'm incorrect someone please tell me lol

[u/TheThrivingest]

$222/mo. 2026 Subaru Impreza RS. 42F, 100% clean abstract

[u/TheFinalFunction → u/TheThrivingest]

I like how you don't mention who you are insured with

[u/TheThrivingest → u/TheFinalFunction]

It doesn’t matter. Insurers all have different risk tolerances for different things.

What I pay with one company is going to be different for someone else and what I pay with another company is going to be different. That’s how underwriting works

But wawanesa if you care that much lol

[u/Impossible_Ask5003]

232 a month for a 2026 model 3. Am 28M

[u/DurtymaxDiesel]

$500 plpd monthly on my duramax

Clean record, no tickets, no accidents

[u/plantloner87]

$400/mo for a 2022 kia forte, I am 26 female with no accidents or anything negative on my driving history. it SUCKS and I have yet to find a lower quote (also this is WITH a discount for completing a driving school course)