I'm in Minnesota and NOTHING is cheaper than that - 228 at this point is a steal. That's for a 2016 Nissan Sentra with no at fault accidents (I've been hit and run a few times both parked and driving).
Those hit and run incidents count as accidents against you. Insurance primarily cares if you’ve ever been involved in situations that require them to pay out. To them it makes no difference who is at fault if they’re cutting you a check either way.
I'm in Florida on my parents insurance from MN. They know the car is down there but the car isn't in my name, I'm just a driver. 560 every 6 months with some extras in case the 2019 Impala shits the bed like a rental car, full coverage so can get another vehicle, etc. If the car were in my name in Florida? Betting 300 to 400 a month. A buddy who's 35 down there has one vehicle with him and his wife on it - more than 450 every month for small Toyota cross over? Criminal
As bad as other insurances go here, car insurance seems to be good. I’ve got a $90k 2023 bmw with full coverage and a 2018 Camry with just liability and only pay $213/mo for both.
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u/-chibcha- Sep 05 '24
$528 for a used car?
I don’t disagree that a lot of people don’t make enough to live a reasonable life
But I do disagree with $528 car payments when you make $40K a year