How much is your car insurance? (Especially NJ bees)

posted 3 years ago in The Lounge
  • poll: How much is your car insurance per year?
    0-200 : (3 votes)
    6 %
    201-400 : (3 votes)
    6 %
    401-600 : (2 votes)
    4 %
    601-800 : (11 votes)
    22 %
    801-1000 : (4 votes)
    8 %
    1001-1200 : (7 votes)
    14 %
    1201-1400 : (9 votes)
    18 %
    1401-1600 : (2 votes)
    4 %
    1601-1800 : (2 votes)
    4 %
  • Post # 3
    Member
    5688 posts
    Bee Keeper
    • Wedding: May 2011

    Car insurance in NJ is crazy. We share a car (07 Murano), don’t use it to commute and our insurance is 1250 a year. I think DH had a failure to inspect ticket on his record but that was it.

    Post # 4
    Member
    1822 posts
    Buzzing bee
    • Wedding: May 2013 - Pavilion overlooking golf course scenery, reception at banquet hall

    I’m in Texas, driving a 2005 Honda CRV. I pay for a 6 month policy at $399, averaging to $66/mo. My husband drives a company car so his is not on my policy; it’s just me and my claim/ticket-free little car. I think I get a lot of discounts for mulitple policy and long-standing customer and things like that too.

    Edit: OH, I can’t read, you said year, not month. That make a lot more sense with the poll options. Pretend there’s one less 0-200 vote and one more 601-800. Lol.

    Post # 5
    Member
    843 posts
    Busy bee
    • Wedding: May 2014

    When I lived in SC it was about $1000 per year, now I’m in NC and I pay 1370 per year for my one car.

    Post # 6
    Member
    1555 posts
    Bumble bee
    • Wedding: November 1999

    Yeah, NJ car insurance is ridiculously expensive. We share 1 car (2013 Jetta) and pay over $2400 a year. We put less than 5K miles a year on the car and don’t use it for commuting. We also live in a very expensive area with on-street parking and its a flood zone. 

     

    Post # 7
    Member
    2441 posts
    Buzzing bee
    • Wedding: July 2018

    $135/month for a newer BMW, full coverage and low deductibles. I had a minor accident last year, but since I’ve been with my insurance company for 12 years with no claims I got one “free” claim. My fiance has his own policy and pays a tiny bit more than I do and he drives a sports car.

     

    Post # 8
    Member
    3355 posts
    Sugar bee
    • Wedding: May 2012

    I pay ~950 for the year on a 2006 Toyota in IL. Perfect record. DH is on my policy and it’s because of him, when I first put him on the policy, that it went up. I blame him. 😛

    Post # 9
    Member
    942 posts
    Busy bee
    • Wedding: May 2014

    I live in New Jersey and pay a little less than $800 a year for my 1994 Honda Accord. I have one ticket for “failure to observe a posted sign”. I do not have collision insurance.

    Post # 10
    Member
    2209 posts
    Buzzing bee
    • Wedding: May 2014

    @pinkshoes:  I pay my car insurance every 6 months and it’s about $300. so about $600/year for full coverage.  I’m 30, so that’s an additional discount, accident free, no speeding tickets, and I drive a 2009 Pontiac Vibe.

    Post # 11
    Member
    828 posts
    Busy bee
    • Wedding: May 2013

    NJ is ridiculous. I’m in Brooklyn which is pretty high too. I pay $1500/yr for full coverage on one car that we don’t even commute with (5000 miles/year). It used to be around 2000 but it’s inched down over the last few years, probably because I’m getting old, lol.

    If your family has teenagers on their policy $5K doesn’t shock me one bit. It’s the liability insurance that drives the premium up, not the collision/comp, so the cars being older don’t make a big difference (and can even make the premium higher if they don’t have more modern safety features).

    Post # 12
    Member
    8720 posts
    Bumble Beekeeper
    • Wedding: September 2013

    @pinkshoes:  I pay over $2k a year for my car here in NJ. It’s full coverage with a $500 deductible and the highest liability limits. I have never been in an accident either.

     

    ETA: I dont have any accidents but I have one speeding ticket and a red light ticket. My car is a year old. 

    Post # 13
    Member
    1771 posts
    Buzzing bee
    • Wedding: September 2013

    I carry liability only on my 26-year-old car and it costs me $59 per month, or about $708 per year. When I join FI’s insurance that will drop down to $37 per month – about $444 per year. I’ve got four speeding tickets but they’re all from 3 or more years ago. I live in PA.

    Post # 14
    Member
    3222 posts
    Sugar bee
    • Wedding: April 2015

    I used to pay $240/month for my Honda Civic coupe when I was 20-24, and now pay $180/month on my Smart car. I have a totally clean driving abstract with no tickets or demerit points, have been driving since I was 16, and have have stayed with the same insurance company (though I price out different companies frequently).

    I don’t know much about NJ, but in Ontario, people routinely discuss what a crock private auto insurance is.

    Post # 16
    Member
    302 posts
    Helper bee
    • Wedding: June 2013

    I’m in NJ and mine is about $1300/yr for just me and my perfect record.  It was about half that when I lived in SC.

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