Why is my car insurance quote so high above average?
Insurers are charging $480 to $1,000 a month just for minimum state-required coverage, pushing premiums drastically higher than expected averages. These rates are also highly sensitive to geography, with prices jumping 30% overnight simply from moving to a new city.
What people tried
Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.
Found another way around this?
Share your steps and trade-offs so fellow engineers don't have to reinvent the wheel. No account required.
- 1Staying on parents' insurance policy longerDid this help you?
- 2Shopping around with multiple insurance companies or using an insurance brokerDid this help you?
- 3Trading the new car for an older, less expensive vehicleDid this help you?
- 4Opting into telematics or tracking devices to prove safe driving habitsDid this help you?
In their words
Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.
“What I don't understand is why I'm getting quoted $480-$1000/mo for minimum state required coverage.”source ↗
“Am I crazy to think even the $500 is unreasonable? What's causing it to be so high above the average?”source ↗
“When we moved from Santa Cruz to San Diego, our premiums went up 30% overnight.”source ↗
Where this came up
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