I pay $190 a month.

Full coverage on a 2015 Puma 32 ft triple slide camper, my 03 F350, and a 05 Yukon Denali have liability on a 02 Sunfire, a 03 F350. $250 deductible.

 

Wow you guys have it good by the souds of it. We are around 4k to insure our 2 trucks 06 ranger and my 07 350. But we have no choices up here.

 

I've been with progressive since 2012. No accidents/tickets *Knock on wood*. I pay $148/month for my two vehicles. Full coverage on my 01 F350 ( $85) and state minimum for my 99 Pontiac Grand Prix. Every 6 months my rate drops by a few dollars every month.

 

That's with Texas Farm Bureau. You don't have to be a farmer or rancher, but you do have to join with a paid membership. I think it's around $45 a year or so.
They also do my Home Owners with farm and ranch liability extensions, RV, and Umbrella coverage.

Almost all states have their own extension of the Farm Bureau.

 

I pay $165 per six months for comprehensive commercial coverage on my '96 F47/OBS-FSD. It took State Farm a little while to figure out they had to write the policy as commercial; guess there aren't too many Joe Q. Public's buying these trucks.

$1,000 deductible, 32-yo male with multi vehicle and homeowners discounts, with a few tickets in the last four or five years.

 

It all depends on where you live, job, claims, fico score, etc.

 

730 a year. Clean drivers record, no claims. 2 million liability. 1000 deductible. Full replacement value for three years. Surprisingly, almost 300 less than my 13' Tundra. In Ontario Canada

 

Alittle over 300 every 6 months..full coverage.

 

$238 for full coverage on my '15 F150. That's with a multi-vehicle discount with my wife's minivan on the same policy. I have $250 collision deductible and $100 comp.

 

I pay 76 month full coverage on my 06 audi liability on my f250 and 08 vulcan

 

Full coverage highest liability/medical 2011 F250 $667 per year.

 

Im 20, unmarried, drive a 2000 f250 CC. I pay about 130 a month just for state minimum required insurance. Wish I could afford full coverage, but it's almost 200 a month for me. I have had a act of nature accident little over a year ago that resulted in them totaling my dad's truck (threw a rod, replaced motor ourselves). No tickets.

Hopefully it'll drop drastically once im married

 

Like scottscott said, the insurance companies now use your fico score to make up the premiums. I had a long discussion with my agent, KY Farm Bureau, about this practice. He said that it has been numerically proven that people with low credit rating scores will have more claims on the average. Then when I asked how that logic figures for a customer that doesn't believe in credit an owns his home and car. If you have a lower credit score due to whatever reason, you should make a request in writing to the underwriters of your company explaining the details. If they do not lower your rates with this information, change carriers. In this day and time, we can no longer just keep paying our premiums like our parents did for years and years without doing our homework. Its a pain in the backside but there isn't any loyalty to almost anything anymore.

 

You're an "oddball" as far as the vast majority of people. Loyalty got nothin' to do with it.

If you ran an insurance company these days you'd use credit scores too, I guarantee it. Key thing that a lot of people don't grok it's not that people with bad credit pay more, people with good credit get a discount.

Younger people generally get in more accidents, so they pay more for insurance. Makes sense to me. For whatever reason, people who don't pay their bills make far more insurance claims or at fault accidents etc. So consequently they pay higher premiums. Makes sense to me.

Unless you want to pick up their slack? Didn't think so! A lot of people complain about this until they are directly required to subsidize everyone else's bad behavior and lifestyle choices. Then they don't want any part of it. Like the kid who thought Obamacare was a great idea, until she saw the monthly premium. "I didn't think that I would have to pay for it!!!" Jeeze Louise.

Drunk drivers for just one example, have to buy special SR22 insurance, at really high rates. Would YOU want to insure a drunk driver? What would you charge them? They aren't in the regular "pool" of policy holders. If this were not so, your premiums, and everyone else's premiums, and deductible etc, would be way higher than they are now. Simple as that.

 

It's also been explained to me that a higher credit score indicates to the insurance company your ability to pay the premiums on time. I'm sure that factors into it also.
I just paid Progressive for 3 Harleys with full coverage, 250/500 liability & unisured/underinsured motorist coverage. Saved over $120 by paying all in one shot instead of installments.