About $868 of that is for "Comprehensive" and "Collision" coverage, if it helps. It's possible it's just me, though. I've crashed my car once, and been hit on my motorcycle. In general, given that, I would assume it's more because of that than in general since I'm obviously a high risk driver. When I set my address from San Jose to San Francisco (I used to store the car at my friend's) it went up $200/yr so that's the SF premium for Geico at least.
About $1100 (comprehensive). I’ve never made a claim and have no speeding points, so I guess I get a good rate; but the OP rate still seemed pretty high for the model.
The majority of cost risk in insurance is that of third parties, not the value of your own vehicle.
People often say "the insurance costs more than my car is worth!" as if it's scandalous. But what it's insuring you against, primarily, is the risk of paying millions of $CURRENCY in medical fees to the third party. Your car's value is peanuts in comparison.
I have always maxed out my liability insurance (what my insurance company would have to pay others in case it was my fault), and I have a spotless driving record, and it has always been $40 to $50 per month for 5k miles per year.
Comprehensive and collision, what your insurance company pays you regardless of who is at fault, is what cases insurance to be expensive in my experience.
Car insurance is partly based on the distances you travel with the car, and the area. The US is bigger than the UK, so on average, that component of the insurance price should be higher in the US.
Wow, that’s crazy high. In the UK my Porsche 911 (992) is cheaper to insure than that! (Without an insurance tracker)
Anyone know if US insurance generally much higher (than other comparative nations)? Or is SF an anomaly?