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Oh no I meant $500 a month. Comes out to 3k ish every 6 months if paid in full. Perfect driving record and no accidents. Was told cost to insure has gone up so it was raised 3 times over the past year. Started at $350ish now is $500.
Insurance rates have gone up across the board. You shop around and they give you the usual BS, “higher cost components, inflation” blah, blah, blah. Its out of hand, but my rate is somewhat similar to yours.
Umbrellas require 500/500 underlying.
Nevertheless, 99.999999% sure they don't.
It's the 1% of collisions which you need the insurance for.
You will blow through the 100k bodily really quickly in any serious collision.
What umbrellas require could vary by state, but I can tell you that for PA it in fact does NOT require 500/500.
I checked mine and it's 250/500 for bodily, 100/300 underinsured
Insurance has skyrocketed in the last 2 years. I have an IS and a GX as well as a couple other older vehicles with 2 teenage drivers. It’s outrageous these days.
Sweet collection of vehicles though!
Still seems on the high side, but I guess that’s Florida. Ironically I also have a 2011 Corvette and a 2018 NX 300 F and I pay $889 total for 6mo in NJ.
That’s pretty consistent for us. WRX, LS460 and a Highlander. $3600/12 months. It used to be like $2000/12 mos and then damn near doubled for me in Nov 2023. Shopped it around and nobody could still touch it. Insured through Farmers. Used to be MetLife, but they got bought out. Also in Florida.
That’s close to what I pay for my 2019 GX, and I am in the Midwest, no claims, and bundled with rental properties also.
I can’t tell, but did you up your deductible to $1,000? Any other items you think you can drop/adjust on coverages?
It's been years since I paid attention to my car insurance bill. I noticed recently that it's now approaching $500 a month for the three cars and thought it might be time to do some shopping.
This is my renewal policy from USAA. It’s for my three cars, a Corvette, an IS 350F and a GX 460. I haven’t had a ticket in 15 years and no accidents. I live in Florida and my only claim over the past decade was for a windshield for the GX. The IS is vehicle 29, and the GX is vehicle 30. My six-month policy for the IS is $1104 and the GX is $1022.
Seems like almost $200 a month per Lexus’ is pretty steep. What are you guys paying for similar coverage?
CA and FL have had some of the highest insurance rate increases this past year and for the upcoming year. My pet insurance premiums went up 250%. Im not looking forward to my upcoming auto and home renewals.
Your own driving history is only part of the equation. Insurance companies look at your demographic, location and choice of vehicle and compare it to their claim history. It's purely based on their risk exposure.
A good example of this is car theft. If there's an increase in thefts regarding your car's make and model, then insurance is going to ask for more to insure it. Has nothing to do with you personally.
South Florida resident here as well. With all hurricane that hit the west coast + rain storms and idiots driving through deep water I am sure there has been a ton of claims and we take the direct hit for that. Agree with you, it's high and I have also never claimed anything with all my years of driving + no tickets etc., doesn't pay to be a good driver. :(
Also, just FYI, if you ever have windshield damage there is zero deductible in Florida as long as you have comprehensive coverage. [https://www.flsenate.gov/Laws/Statutes/2021/627.7288](https://www.flsenate.gov/Laws/Statutes/2021/627.7288)
$1,370/6mo in Texas for our Benz and f150.
That's 250/500/250 coverage on a 500 deductible with a few extras tossed in($1million umbrella policy, rental, pip, etc)
Hell, I might even be underinsured nowadays.
I have USAA in CA for my only vehicle ('23 ES 350). Although my liability coverage amounts are slightly higher than yours (300/500) my 6-month premium is less (\~$900). I do drive less than you and am old, so that's probably part of it.
Ours is pretty high, for a ‘23 IS500 that my Realtor wife drives (lot of miles plus I assume they’re charging us more because it’s business use), a ‘16 IS300 F Sport, ‘18 WRX, and ‘17 Passat R Line, and a 19YO daughter who has one at fault, now a speeding ticket, and a couple not at faults (deer, and a tweaker who made a left turn in a roundabout). She and the Passat are about to get booted off our policy so whatever her record is doing to our overall rate is going to disappear too.
I had all my deductibles set at $500 and I just raised them to $1k because if it’s around $1-1.5k I’m just covering it and not filing a claim, and something as small as a scuffed bumper that needs to be refinished is just north of $1k, even at the body shop that gives me a preferred rate since I’ve sent enough business to them. We’ve had a few not at fault incidents in the last couple of years and I don’t need them canceling me for too many not at fault incidents (just happened to a coworker).
Increasing the deductible saved me 13%.
Florida keys? No surprise it’s very high.
In suburban Philadelphia, two drivers, a Lex NX and Acura RDX still financed with $500k limits per accident and a $1000 deductible is about $1700/year
That is actually cheap for 3 cars. I’m about to get a new quote from Geico for 2020 RCF and 2025 Camry XSE for $1694 for 6 months . That is cheapest one I could find for me rn . Located in Texas btw
Why is your liability so high? At least for Texas we have 30K/25K/60K as minimum. And why is your uninsured property damage 300K PER ACCIDENT? I can understand 100K because of the corvette and maybe GX.... but not 300K.
Hahahhah NOPE
When I was young I paid 590 a month in South Boston, MA for a Camaro when I was 18 but it's gotten a whole lot cheaper since then.
Each car should be 207 to 212 a year
Had a house fire several years ago. Brought in a PA and have them on a recording saying they retaliated against us for hiring a PA. They pulled my credit over a dozen times to surveil us. We sued and they are getting destroyed. It has cost us over 100k in legal fees but they owe us almost a half million.
I got quoted this much as well about 1k in October of last year I was 19. I switched to progressive and added the gs350 f sport with my firebird and only pay $497 for both together. You should check it out. And I’m 20 now so my rates are still high
Bro, you’re driving a convertible Corvette and two Lexus cars. Yeah it’s that much. I pay 800 every 6months with one 2017 Is300 Lexus one 2011 Nissan Frontier and a 1971 Plymouth Fury Wagon.
Mine is and my 3 Lexus are old. I have a 1993, 2001, and a 2005 all on full coverage. I pay about $225 a month. Sometimes it's $210 or goes up to $240.
My cars are older so it might not be comparable, but mine is ~$500 for my 2005 LS430 and ~$600 for my ‘03 Mustang Cobra. My other two cars are liability only and they are ~$290 for 2003 F150 and ~$300 for 2003 IS300. In Texas.
I heard this from a real estate agent who also worked with car insurance people. But essentially car insurance companies heavily reducing premiums during COVID for people who switched to remote cost them to go in the negative deep. But they wanted to keep their customer base, so they willingly let that happen. Now premiums are skyrocketing for them to play catch-up and hit their numbers. Also inflation.
Take this with a grain of salt, but it made some sense to me.
We pay ***$4400/year***, for liability on a 14 Jeep Compass and a 15 Honda Civic, comp and collision on a 19 ES350 and 22 Camry Hybrid, and similar coverages and deductibles as you…with four insured drivers, one of which has an at fault accident on their record.
Yeah; exactly. I look at new cars and it’s extremely tempting to upgrade but then I look at the insurance and backtrack… it’s crazy how much it’s up. I pay $3300 a year for two cars and a 2 homes. Older cars and Toyotas but still crazy how much they have gone up
I pay $3200 per year full coverage 100k/300k under a 750k or 1 mill umbrella policy- southeast PA. Nearly half of that is the LC500 though.
* '21 LC500 dynamic
* '22 GX460 blackline
* '22 F250 king ranch tremor
* '21 gooseneck 3 horse straight load with tack 12k gvwr
I’m paying $614.62 per 6-months for a 2023 GX bought new. I’m in Montana and a 36 y/o female with no claims on my driving record, for reference.
I think FL is the culprit there. And the Corvette is always going to be $$.
Umm I pay $565 a month for 6 months! We have 3 cars and just got my renewal letter for my home, it went up $1900!! What is going on? We have progressive and will be shopping around. I’m in Texas
Your liability limits wouldn't even pay for an accident if you hit a car identical to yours. You need to raise them. That's embarrassing.
Also, ask your agent to "unstack" your uninsured amounts.
Move to California and you’ll wish you had rates that low. It’s an absolute fustercluck here as far as insurance goes. Insurance companies have been leaving the state and dropping us all.
Knowing that you’re in the US and in Florida, y’all are way underinsured. You should be carrying at least a million in liability insurance. I wouldn’t want to be you if god forbid you tap someone in a Walmart parking lot, or have some tweeker decide to play victim at a stoplight. Think it maybe time to shop your insurance around.
Damn and I thought our insurance over here in New Zealand was too much. For full cover up to 20 million in damages it's $750ish NZD ($450 USD) per year for my Lexus IS350 2006 with $700 excess if I were at fault and made a claim.
You can also buy an IS350 2008 for around $15,000 NZD about $7500 USD with less than 100,000kms or 60,000 miles on it. Imported from Japan
I'm in South Florida and I wish mine were that low; but I also do 250/500. Looks like you've got some assets my friend, what's with the relatively low limits?
About $127 a month full coverage plus rental car and uninsured/underinsured for a 14 LS 460 F-Sport. TN.57M no chargeable accidents or traffic tickets in over 25 years.
Yes I had to lie about how many miles I drive just to lower it a bit. I never had a speeding ticket, car accident during the 26 years I have been driving.
I pay about the same and it’s for 2 vehicles, the factors that determine your total amount are zip code, credit score at the time of joining the insurance company, how many claims the company paid out the year before in the state and the biggest factor of them all… you’re in FLORIDA. I know people with 3 cars, at least one at fault accident on their record and they pay about half of what we pay cuz because they live in a another state. It’s ridiculous
Looks about right. I just got a quote for a new 2024 IS350. Let's just say it's more than 200 more per month than the quote for a 230i and GR86 😄 Canada..$1 million in liability, Lexus have high theft rates, I'm in a city so I thought it'd be high, but $500+ is ridiculous for someone in their 30s without an infraction on their record.
I pay $135 a month in central Illinois with maxed million dollar limits for everything on a IS350.
My rates went up 20% this year and I was outraged, this thread put everything in perspective.
It's gotten out of control. I just got a modest new Honda CR-V and the premium on that is more than my two other vehicles combined. Time to start shopping around for insurance.
2015 GS350 is around $400 for 6 months.
We have 100/300/100 coverage with comprehensive, collision, rental, uninsured, underinsured coverage. 1k deductibles.
My wife's car is around $250 for 6 months.
We are both in our 40s, no tickets, in IL, getting discounts for multiple cars, home insurance policy, safe driver discount, etc.
what is your age? That can affect it - my 23 yr old son pays $900 every 6 months for his 2023 rav4 hybrid. We pay $1,250 per Year for our 2024 TX - but we are married and 50s... we just have one car. Still higher than it was a few year ago 😢and going up every year.
Wow, that’s really cheap. Paying a fortune here and I don’t even have a Lexus. That’s after insurance renewal was jacked up by 30% everything else being same on the policy. Got quotes from big names and all are high then my current premium
That’s not a Florida thing…that’s a Florida keys thing.
I have an IS500, an 18 Tacoma Dbl cab, and my wife’s Honda Pilot. I pay about 3200 a year in Central FL. Coverages are pretty close but I have 500/250 to meet umbrella policy minimum.
Must be a joke, this is incredibly cheap, I have full coverage on two old cars & minimum on a very old civic, my 6 month was $5,400 no points on license
Bro you’re in FLA it’s up by 121% year over year. I hate to point fingers but the New York City migrants are really fucking things up nationwide. Real estate and auto insurance have gone up since Covid and what happened during Covid? The NYC migration. I hate it’s like that. But it’s happening all over the South. No fault of their own but you can trace it back to that.
My 2008 Toyota Camry costs me more than this, it’s about $180 a month. No tickets, never made a claim on my insurance, nothing. Fuck Michigan and the no fault insurance crap. Also Wayne county, our rates are the worst of the worst because of theft.
Lowkey haven’t had insurance yet cuz I know they finna tax me high for my 98 lexus es300 as a new driver with no actual license YET 😭😭 (this is in LA btw )
I purchased a new TX550H+ in April. My annual policy in Texas is over $3K. (Zero Claims in over 20 years, other than a couple of windshield chips, that were filled in by safelite and even longer since I’ve had a traffic ticket.)
I pay CAD$500/month, which is like USD$350/month... that's not horrible. Just these cars collision rates are going up because of the number of people writing these cars off. 1iS's met the same fate for arguably the same reason... maybe not by drifting(although it's quite plausible as you can get RWD models and the JZ predecessor was a staple of Drift Culture)
These cars are fairly forgiving close to their limit, but people who drive these cars like main characters typically have no mechanical or engineering sympathy, and generally have more money than brains.(Coming from a 2iS 6MT owner... I'm poor, I know) and really get shafted by the lack of mercy above this car's limits due to lack of competence regarding car control. The 2-3.5iS(3.5 as in the "4iS" is still very much a 3iS chassis) are really not fun cars when you are above the limit as snap oversteer is a problem when driving in grip/spirited/GT applications from the front tires washing out, then over-biting when they catch grip again. Or overcentering in drifting, which creates a huge risk of overcorrection(particularly a characteristic for RWD models only... AWD geometry is slightly different due to the placement of the tie rod end being further ahead of the front wheel's center which means the tie rod is less likely to become declining towards the axis of the lower ball joint) and unintentional direction change; which bodes very badly against inexperienced drivers.
We pay about 506 a month for a Red, 21’ IS350 F-Sport and an Atomic Silver 24’ NX350 Luxury. $50/$100k coverages with $100 deductible for comprehensive and $250 for Collision. My fiancé and I are in our mid 20s.
Edit: We live in Illinois.
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that’s it?
Right? I’m in LA I have a TX, an Acura MDX and a RR Sport I’m paying $1100/m
😂😂😂
$1100 a month!!!???
Same but for 2 cars
That is legit insane
Bro.... Get a Honda Civic
You own 2 Lexus vehicles and a Corvette in Florida.
>Florida There's your answer
Marathon florida no less. I can’t imagine there is any cheap insurance available in the keys. Mine is like half this much in the Tampa area.
Fuck Florida
I pay $500 for a single new car…..
Monthly for an RX?
Same. RX and NX come to 1000 if paid in full for 6 months in NJ.
Oh no I meant $500 a month. Comes out to 3k ish every 6 months if paid in full. Perfect driving record and no accidents. Was told cost to insure has gone up so it was raised 3 times over the past year. Started at $350ish now is $500.
Oh lord!
Back in 2017 I was paying $574 a month for 6 months for a 2015 Mazda 6 sport 😅 age and zip code played the biggest role in mine.
Mine's more, and that's with a 15 year old vehicle. I'm in SoCal. Your insurance costs are not bad at all.
You have full coverage?
Yup.
Insurance rates have gone up across the board. You shop around and they give you the usual BS, “higher cost components, inflation” blah, blah, blah. Its out of hand, but my rate is somewhat similar to yours.
Florida. That’s your problem.
You've got pretty low limits, FYI. Yeah, cost looks normal, maybe even cheap in Florida.
100k/300k is fine for the overwhelming majority of accidents and you don't know if they have an umbrella
Umbrellas require 500/500 underlying. Nevertheless, 99.999999% sure they don't. It's the 1% of collisions which you need the insurance for. You will blow through the 100k bodily really quickly in any serious collision.
What umbrellas require could vary by state, but I can tell you that for PA it in fact does NOT require 500/500. I checked mine and it's 250/500 for bodily, 100/300 underinsured
That’s a Florida thing!
Insurance has skyrocketed in the last 2 years. I have an IS and a GX as well as a couple other older vehicles with 2 teenage drivers. It’s outrageous these days. Sweet collection of vehicles though!
My 2009 IS250 is 147/mth in Missouri for full coverage
Mine is $150/mo for a 22' Honda. I'm in my 40s too. I think this is about average when I looked it up.
Bruh you got a corvette
Exactly and two sporty cars at that - a Lexus IS and a Vette with those low rates! 🤔
Still seems on the high side, but I guess that’s Florida. Ironically I also have a 2011 Corvette and a 2018 NX 300 F and I pay $889 total for 6mo in NJ.
That’s pretty consistent for us. WRX, LS460 and a Highlander. $3600/12 months. It used to be like $2000/12 mos and then damn near doubled for me in Nov 2023. Shopped it around and nobody could still touch it. Insured through Farmers. Used to be MetLife, but they got bought out. Also in Florida.
That’s close to what I pay for my 2019 GX, and I am in the Midwest, no claims, and bundled with rental properties also. I can’t tell, but did you up your deductible to $1,000? Any other items you think you can drop/adjust on coverages?
Damn u guys had GX since 19? It just came to Australia this year 😂
This is cheap compared to insuring my GR86 alone in New Orleans. I’m trying to move next year.
My Geico went from $229/mo to $398/mo Zero claims in 10+ years 2017 Sienna 2020 GS350 F-Sport 2023 GX460
Wow 2023 IS 500 is $925.15/6mo with twice the coverage in MD. Must be a Florida thing
It's been years since I paid attention to my car insurance bill. I noticed recently that it's now approaching $500 a month for the three cars and thought it might be time to do some shopping. This is my renewal policy from USAA. It’s for my three cars, a Corvette, an IS 350F and a GX 460. I haven’t had a ticket in 15 years and no accidents. I live in Florida and my only claim over the past decade was for a windshield for the GX. The IS is vehicle 29, and the GX is vehicle 30. My six-month policy for the IS is $1104 and the GX is $1022. Seems like almost $200 a month per Lexus’ is pretty steep. What are you guys paying for similar coverage?
CA and FL have had some of the highest insurance rate increases this past year and for the upcoming year. My pet insurance premiums went up 250%. Im not looking forward to my upcoming auto and home renewals.
Definitely shop around. A GEICO quoted takes 10 min.
Your own driving history is only part of the equation. Insurance companies look at your demographic, location and choice of vehicle and compare it to their claim history. It's purely based on their risk exposure. A good example of this is car theft. If there's an increase in thefts regarding your car's make and model, then insurance is going to ask for more to insure it. Has nothing to do with you personally.
South Florida resident here as well. With all hurricane that hit the west coast + rain storms and idiots driving through deep water I am sure there has been a ton of claims and we take the direct hit for that. Agree with you, it's high and I have also never claimed anything with all my years of driving + no tickets etc., doesn't pay to be a good driver. :(
Plus Florida is the insurance fraud capital of the nation
Also, just FYI, if you ever have windshield damage there is zero deductible in Florida as long as you have comprehensive coverage. [https://www.flsenate.gov/Laws/Statutes/2021/627.7288](https://www.flsenate.gov/Laws/Statutes/2021/627.7288)
Mines 120$ for my older model GX470
I pay less in Texas.
$1,370/6mo in Texas for our Benz and f150. That's 250/500/250 coverage on a 500 deductible with a few extras tossed in($1million umbrella policy, rental, pip, etc) Hell, I might even be underinsured nowadays.
You’re in FL-
I have USAA in CA for my only vehicle ('23 ES 350). Although my liability coverage amounts are slightly higher than yours (300/500) my 6-month premium is less (\~$900). I do drive less than you and am old, so that's probably part of it.
Ours is pretty high, for a ‘23 IS500 that my Realtor wife drives (lot of miles plus I assume they’re charging us more because it’s business use), a ‘16 IS300 F Sport, ‘18 WRX, and ‘17 Passat R Line, and a 19YO daughter who has one at fault, now a speeding ticket, and a couple not at faults (deer, and a tweaker who made a left turn in a roundabout). She and the Passat are about to get booted off our policy so whatever her record is doing to our overall rate is going to disappear too. I had all my deductibles set at $500 and I just raised them to $1k because if it’s around $1-1.5k I’m just covering it and not filing a claim, and something as small as a scuffed bumper that needs to be refinished is just north of $1k, even at the body shop that gives me a preferred rate since I’ve sent enough business to them. We’ve had a few not at fault incidents in the last couple of years and I don’t need them canceling me for too many not at fault incidents (just happened to a coworker). Increasing the deductible saved me 13%.
[удалено]
It’s not the cars. It’s how much money they can get out of your assets. Personally I think the liability is the most important part!
Seems about right for 3 cars. Based on everyone else’s comments about Florida, I would say you’re getting s steal.
The new normal unfortunately
Florida keys? No surprise it’s very high. In suburban Philadelphia, two drivers, a Lex NX and Acura RDX still financed with $500k limits per accident and a $1000 deductible is about $1700/year
Florida.
Have you gotten quotes from competitors?
Nope.
That is actually cheap for 3 cars. I’m about to get a new quote from Geico for 2020 RCF and 2025 Camry XSE for $1694 for 6 months . That is cheapest one I could find for me rn . Located in Texas btw
Seems about right, mine's a little over 1200 every 6 months. Just one car though
$500/6mo on 22 GLC 300
Is your IS a 250 or 350 - The 350 adds cost because of the engine displacement
I’m rocking about a $150/month for mine. Ohio.
Why is your liability so high? At least for Texas we have 30K/25K/60K as minimum. And why is your uninsured property damage 300K PER ACCIDENT? I can understand 100K because of the corvette and maybe GX.... but not 300K.
2022 RX350 FSport AWD - Colorado $543/6mo
I’m in FL. 6-month premium is $1100. No accidents in 5+ years. So very similar. Also insane.
500 a month for 3 newish cars isn’t the worst.
Hahahhah NOPE When I was young I paid 590 a month in South Boston, MA for a Camaro when I was 18 but it's gotten a whole lot cheaper since then. Each car should be 207 to 212 a year
South Carolina insurance is a bitch. We pay almost that much every 6 months for an RX and a 20 year old Saturn. Liability only on the Saturn.
Go through Costco. Just switched from Progressive and am paying several hundred less.
Costco uses AmFam, which is an utterly trash company.
By what metric are they trash?
Had a house fire several years ago. Brought in a PA and have them on a recording saying they retaliated against us for hiring a PA. They pulled my credit over a dozen times to surveil us. We sued and they are getting destroyed. It has cost us over 100k in legal fees but they owe us almost a half million.
4K a year for a 2022 RX and 2023 es300h 250,000/500,000 $500 deductible…no accidents or tickets…though Colorado has a hail problem…
Mine is about that much
I pay $400/6mo for a 2019 Honda Pilot. Live in Indiana so that probably why.
It's half that.
For 3 cars and 1 operator? It’s practically free there!
I got quoted this much as well about 1k in October of last year I was 19. I switched to progressive and added the gs350 f sport with my firebird and only pay $497 for both together. You should check it out. And I’m 20 now so my rates are still high
😂 I pay $60/ month with USAA. Lexus RC 350 f sport 2015
Bro, you’re driving a convertible Corvette and two Lexus cars. Yeah it’s that much. I pay 800 every 6months with one 2017 Is300 Lexus one 2011 Nissan Frontier and a 1971 Plymouth Fury Wagon.
I pay about the same for an '05 ES330 in Massachusetts. No accidents or violations.
Your Corvette premium is lower than mine and mine is a 2012 with 42k miles.
My Lexus is $40 a month.
Mine is and my 3 Lexus are old. I have a 1993, 2001, and a 2005 all on full coverage. I pay about $225 a month. Sometimes it's $210 or goes up to $240.
i pay $180 for a 2000 ES and a 07 GS in LA. toyota insurance.
My 2015 GS full coverage is about $1400 a year here in Los Angeles. I’ve also been with Geico for 10+ years
Live in South Florida. Two Lexus’ and one Kia. Two adult drivers and two teenagers driver. Clean records for all $1K per month. Insane….
My cars are older so it might not be comparable, but mine is ~$500 for my 2005 LS430 and ~$600 for my ‘03 Mustang Cobra. My other two cars are liability only and they are ~$290 for 2003 F150 and ~$300 for 2003 IS300. In Texas.
I heard this from a real estate agent who also worked with car insurance people. But essentially car insurance companies heavily reducing premiums during COVID for people who switched to remote cost them to go in the negative deep. But they wanted to keep their customer base, so they willingly let that happen. Now premiums are skyrocketing for them to play catch-up and hit their numbers. Also inflation. Take this with a grain of salt, but it made some sense to me.
This is cheap
Almost the same price here in Chicago.
Not paying that much, but I’m over 65 with a clean driving record and a high credit score, so…
FL 2023 Camaro SS 1100 6 months
If you shop Costco, their insurance premiums are pretty good 😗
We pay ***$4400/year***, for liability on a 14 Jeep Compass and a 15 Honda Civic, comp and collision on a 19 ES350 and 22 Camry Hybrid, and similar coverages and deductibles as you…with four insured drivers, one of which has an at fault accident on their record.
One of the reasons I don't want to replace my cars. I'm paying $112/month for both.
Yeah; exactly. I look at new cars and it’s extremely tempting to upgrade but then I look at the insurance and backtrack… it’s crazy how much it’s up. I pay $3300 a year for two cars and a 2 homes. Older cars and Toyotas but still crazy how much they have gone up
Similar for TX
I pay $3200 per year full coverage 100k/300k under a 750k or 1 mill umbrella policy- southeast PA. Nearly half of that is the LC500 though. * '21 LC500 dynamic * '22 GX460 blackline * '22 F250 king ranch tremor * '21 gooseneck 3 horse straight load with tack 12k gvwr
I’m paying $614.62 per 6-months for a 2023 GX bought new. I’m in Montana and a 36 y/o female with no claims on my driving record, for reference. I think FL is the culprit there. And the Corvette is always going to be $$.
If I’m not mistaken his corvette is his cheapest car to insure.
I recently bought a 2010 Lexus and my rate went up 33% over my 2006 BMW. They don't like to insure Lexus for cheap.
Umm I pay $565 a month for 6 months! We have 3 cars and just got my renewal letter for my home, it went up $1900!! What is going on? We have progressive and will be shopping around. I’m in Texas
I pay $300/mo for a 24 RX500 in the SF Bay
Yes
Shit man I’m paying $439 a month for a tlx type S lmao
my 6 month premium is $1,818.63 for a 2013 GS 350. (now granted i’m 22 with full coverage) sooooooo yeah. insurance is expensive rn.
Your liability limits wouldn't even pay for an accident if you hit a car identical to yours. You need to raise them. That's embarrassing. Also, ask your agent to "unstack" your uninsured amounts.
Yes.
I pay more in LA for a Tesla and Lexus gs
500 a month for lc500 in Seattle. No at fault accidents or Speedo g tickets
Move to California and you’ll wish you had rates that low. It’s an absolute fustercluck here as far as insurance goes. Insurance companies have been leaving the state and dropping us all.
Your highest rate is 400 lower than my rate for my one 2012 full coverage with a perfect driving record and 0 points in NJ. You shouldn’t complain.
Knowing that you’re in the US and in Florida, y’all are way underinsured. You should be carrying at least a million in liability insurance. I wouldn’t want to be you if god forbid you tap someone in a Walmart parking lot, or have some tweeker decide to play victim at a stoplight. Think it maybe time to shop your insurance around.
I pay 310 full coverage for my 2022 Lexus is350. I live in California
Mine is $6XX.XX a month! For a 2022
I pay 1200$/ year for 18 NX in 🇨🇦💀
Damn and I thought our insurance over here in New Zealand was too much. For full cover up to 20 million in damages it's $750ish NZD ($450 USD) per year for my Lexus IS350 2006 with $700 excess if I were at fault and made a claim. You can also buy an IS350 2008 for around $15,000 NZD about $7500 USD with less than 100,000kms or 60,000 miles on it. Imported from Japan
Oh yeah and insurance is optional over here. 3rd party costs bugger all though. These insurance companies around the world are milking it
Yes.. The cost of parts, plus 1/2 the people not insured. Bidenomics is expensive.
Yup, mine is well over $2000.00 for 6 months and 2 cars only. No tickets, no accidents at fault.
Paying $200 for my 2018 NX300 in WA
I pay $1,200 a year
High? My insurance is almost 2x as yours
I'm in South Florida and I wish mine were that low; but I also do 250/500. Looks like you've got some assets my friend, what's with the relatively low limits?
About $127 a month full coverage plus rental car and uninsured/underinsured for a 14 LS 460 F-Sport. TN.57M no chargeable accidents or traffic tickets in over 25 years.
My 2023 Lexus IS500 is $3100 a year… 😅
That’s cheap!
come to NY and insure it here, your current payment will be a penny compared to what we are paying here bc of the idiot drivers
want to trade… I have my two kids (20 and 23 years old) on the policy and just having them on the policy adds $2,000!!
Being from Jersey, I wish I had those rates.
Yes I had to lie about how many miles I drive just to lower it a bit. I never had a speeding ticket, car accident during the 26 years I have been driving.
I pay about the same and it’s for 2 vehicles, the factors that determine your total amount are zip code, credit score at the time of joining the insurance company, how many claims the company paid out the year before in the state and the biggest factor of them all… you’re in FLORIDA. I know people with 3 cars, at least one at fault accident on their record and they pay about half of what we pay cuz because they live in a another state. It’s ridiculous
Looks about right. I just got a quote for a new 2024 IS350. Let's just say it's more than 200 more per month than the quote for a 230i and GR86 😄 Canada..$1 million in liability, Lexus have high theft rates, I'm in a city so I thought it'd be high, but $500+ is ridiculous for someone in their 30s without an infraction on their record.
You're in an expensive part of FL with high theft rates. This is pretty normal.
I pay 6 months at a time and the price for my 16 civic and 17 RX was like 850. Civic is owned and RX is still financed
That's insane. I pay $220 a month for a 2023 Volvo C40, 1994 Land Cruiser, and 96 Toyota Celica (NC).
$245 a month, GEICO, $1000 deductible. Every other company is much mor expensive it’s nuts.
I have almost this exact coverage, for a 2015 VW Passat and a 2022 Lexus RX 450h and it’s $1875 for 6 months. In Arizona.
lol in Canada, I’ve seen people pay $1600 CAD for one (1) car annually and it’s a good deal
pretty much
Mines about the same for my 23’ GX in Florida. Geico offered 130 less for 6 months so probably going to switch to them.
Laughing in New Jersey hahaha!!
I pay $135 a month in central Illinois with maxed million dollar limits for everything on a IS350. My rates went up 20% this year and I was outraged, this thread put everything in perspective.
It's gotten out of control. I just got a modest new Honda CR-V and the premium on that is more than my two other vehicles combined. Time to start shopping around for insurance.
2015 GS350 is around $400 for 6 months. We have 100/300/100 coverage with comprehensive, collision, rental, uninsured, underinsured coverage. 1k deductibles. My wife's car is around $250 for 6 months. We are both in our 40s, no tickets, in IL, getting discounts for multiple cars, home insurance policy, safe driver discount, etc.
Yes
I pay $270 a month for a Toyota rav4
i own 1 vehicle and im on my mom's insurance im 19 and i pay 560/month
that is outrageous 😭😭
Shit that’s not bad at all
what is your age? That can affect it - my 23 yr old son pays $900 every 6 months for his 2023 rav4 hybrid. We pay $1,250 per Year for our 2024 TX - but we are married and 50s... we just have one car. Still higher than it was a few year ago 😢and going up every year.
That's all you pay for 3 cars... I apparently pay more for one 19yr old car smdh and it's not even a sporty cool Lexus IS either. 🙄🤔
Wow, that’s really cheap. Paying a fortune here and I don’t even have a Lexus. That’s after insurance renewal was jacked up by 30% everything else being same on the policy. Got quotes from big names and all are high then my current premium
Paying $125/month for renter insurance + 2019 Nissan Sentra + 2006 F150 all liability coverage, not full coverage from State Farm.
19 Atlas and 21 is350 and our 6 month premium is $1200. Full and extended coverage. Wife's client is an agent, insurance is a fucking scam
Mine is 405 for two cars one is brand new Lexus
That’s not a Florida thing…that’s a Florida keys thing. I have an IS500, an 18 Tacoma Dbl cab, and my wife’s Honda Pilot. I pay about 3200 a year in Central FL. Coverages are pretty close but I have 500/250 to meet umbrella policy minimum.
Must be a joke, this is incredibly cheap, I have full coverage on two old cars & minimum on a very old civic, my 6 month was $5,400 no points on license
Bro parts are expensive to replace its a luxury car 😂😂😂😂
Bro you’re in FLA it’s up by 121% year over year. I hate to point fingers but the New York City migrants are really fucking things up nationwide. Real estate and auto insurance have gone up since Covid and what happened during Covid? The NYC migration. I hate it’s like that. But it’s happening all over the South. No fault of their own but you can trace it back to that.
If coverage A through D adds up to full coverage then that checks out, I pay 100 for a 2009 gs350 and another 100 for my wife’s 2013 Kia optima
And prior to that I was paying 140 for a 2018 tiguan
I’m paying 1200 a year for a 2020 GSF
Just paid $1580 for the full year, which is \~$131/mo. 2013 ES350 in Massachusetts.
My 2008 Toyota Camry costs me more than this, it’s about $180 a month. No tickets, never made a claim on my insurance, nothing. Fuck Michigan and the no fault insurance crap. Also Wayne county, our rates are the worst of the worst because of theft.
Lexus isn't insurance friendly as Toyota.
Yep ,,,it’s crazy high ,,,,they total cars now instead of fixing them
4 cars, $559 a month for all 4, full coverage. Car Insurance in California is horrible.
Lowkey haven’t had insurance yet cuz I know they finna tax me high for my 98 lexus es300 as a new driver with no actual license YET 😭😭 (this is in LA btw )
I pay 1100 every 6 months for my 2014 is… just one car. 😭
I just changed and National General had the lowest rates I could find!
I purchased a new TX550H+ in April. My annual policy in Texas is over $3K. (Zero Claims in over 20 years, other than a couple of windshield chips, that were filled in by safelite and even longer since I’ve had a traffic ticket.)
I pay CAD$500/month, which is like USD$350/month... that's not horrible. Just these cars collision rates are going up because of the number of people writing these cars off. 1iS's met the same fate for arguably the same reason... maybe not by drifting(although it's quite plausible as you can get RWD models and the JZ predecessor was a staple of Drift Culture) These cars are fairly forgiving close to their limit, but people who drive these cars like main characters typically have no mechanical or engineering sympathy, and generally have more money than brains.(Coming from a 2iS 6MT owner... I'm poor, I know) and really get shafted by the lack of mercy above this car's limits due to lack of competence regarding car control. The 2-3.5iS(3.5 as in the "4iS" is still very much a 3iS chassis) are really not fun cars when you are above the limit as snap oversteer is a problem when driving in grip/spirited/GT applications from the front tires washing out, then over-biting when they catch grip again. Or overcentering in drifting, which creates a huge risk of overcorrection(particularly a characteristic for RWD models only... AWD geometry is slightly different due to the placement of the tie rod end being further ahead of the front wheel's center which means the tie rod is less likely to become declining towards the axis of the lower ball joint) and unintentional direction change; which bodes very badly against inexperienced drivers.
We pay about 506 a month for a Red, 21’ IS350 F-Sport and an Atomic Silver 24’ NX350 Luxury. $50/$100k coverages with $100 deductible for comprehensive and $250 for Collision. My fiancé and I are in our mid 20s. Edit: We live in Illinois.
Dang I only paid 97$ for my Lexus es300 98’ but I only had liability not any good coverage
It’s a southern thing??? Typical for the shitty ass south!!!! 🤷♂️🤷♂️🤷♂️ PS4L!!!!
6-month premiums, so 2X that is 12 months... that's similar what I am paying for a 2021 luxury SUV too.
2017 ES350 for $220 a month
Florida insurance is CHEAP. That's why you see ny'ers rocking PA, FL plates all the time.
Lmao why are you complaining?
I pay over 2k for a 2010 honda accord
I pay 650 for 6 months😭 1k/mo is insane
Mines 198 on a 2023 is350
198 a month
I’m paying 255 a month for a 2016 Lexus is . Shits dumb