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.
- 1Staying on parents' insurance policy longer
- 2Shopping around with multiple insurance companies or using an insurance broker
- 3Trading the new car for an older, less expensive vehicle
- 4Opting into telematics or tracking devices to prove safe driving habits
In their words
Unedited, most upvoted first, 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
People with this problem also raised
- 4Are full service moving quotes really this expensive?
- 5How to escape a high interest car loan after an emergency buy
- 2Why are fountain soda bag-in-box costs so high?
- 3Why is my website traffic suddenly spiking with no sales?
- 2Why does my car suddenly slam on the brakes by itself?
- 6Why did my small business health insurance go up 200%?