I’m trying to give my kid a ballpark idea of what it would cost her annually to pay auto insurance on a vehicle she might hypothetically acquire within the next couple years.
Anyone know, even very roughly?
I know what my huge family with 2 teenage drivers cost is, but don’t know what a single college student would be likely to have to pay for an individual policy.
Call any agent - they’d love to give you a quote. Of course, it depends on the car, the minimum requirements in your state, where the college is located and whether the car is paid for or on credit.
Roger
I know. I just don’t feel like talking to an agent yet. It’s still so, as I said, hypothetical.
My premium is $273 every six months. That’s with mostly basic coverage (I have comprehensive, but that’s cheap) on a regular old family car, with a clean driving record. I’m 22.
Thanks Clarinetnut. That’s exactly the kind of info I was after.
I’m well aware that our mileage may vary.
Over here a friends son who had just passed his driving test (18 years old),bought a car which cost him £1000 to insure it it was costing him £2700 
STERLING
That’s a good rate. My daughter is getting mangled by her insurance bill. Clean record, 18 years old. Ummm.
Yeah, I’m not really sure how these things work. I know one of the questions they asked me was if I’d been driving for more than 5 years, so maybe that makes a difference. I’m also not making payments on my car. When I was trying to decide which insurance company to go with (I just moved and got off my parents insurance about a month ago), I went to several websites and filled out their online quote. The numbers I got were between $270 and $350.
It really depends on your state and the company you go with…some companies are just murderous and others are cheaper…there are pros and cons to each…
if your kid is in college, then they might qualify for a good student discount if they keep a 3.0 gpa (again, depending on the company).
my insurance for my two cars for my wife and I is about $800 every six months; kinda high, but I did get cited for being present at a street race two years ago and that throws my numbers off…(Sh*tty laws 
I wasn’t racing, just watching)
Which, I might add, is beyond comprehension. I wonder what book of “statistics I pulled out of my a**” the insurance companies used to determine that a higher gpa meant a safe driver. Same holds true for rates based on credit ratings.
I cannot express how much I detest insurance companies.
I have about four editions of that book, Fly. 
Seriously though, it really does crack ya up what insurance companies think makes a safe driver…
My sister pays a far lower premium than I, but she has about ten speeding tickets, only owns one car, and is single…
I wonder how that works out?
Nate’s insurance has been around $500/ 6 months. This is with good student discount, discount for the type of driver’s ed he took, multiple vehicle discount, and being insured on the least expensive of our cars (1979 pick-up). I’m not sure what will happen to the rates now that I signed the truck over to him (it had been in my name) and he’s in the military.
I really HATE how they figure insurance rates. When I first moved to this county, from what was still rated a “rural” county at the time, my rates tripled. Even though, instead of driving 50+ miles a day for work, I was now driving 4! Even though I was still driving those 4 on the same roads I drove the 50+!
One thing your daughter has in her favor is being a girl - rates are lower. Which - living next to an all girl high school (and matching that to the all boy high school my son went to) makes absolutely NO sense to me! The girls have a wreck outside of school at least once a week - the boys only had one wreck outside of school for the entire year last year!
I’ve been run off the road while on my motorcycle twice in my lifetime (both resulting in hospitalization)…
both drivers were girls…
As a side note. The Tigers play at Comerica park. It’s not an insurance ballpark but a bank ballpark.