kp

You can move across the street and your insurance can go up 40% (happened to me in Chicago years ago). I agree that its kind of pointless with all the variables but 1400 a year doesn seem too bad.

State Farm with 0/100 deductible, 250/500K liability, under 7200 miles would be 1150 a year for a 3LT Z06 coupe, its 900 a year for my '16 2LT coupe. Thats with multi car, multi line and just about every other discount they have, 52 years old with no tickets/accidents is 25+ years. FWIW the C7 went up 100.00 a year this year because State Farm did a rate adjustment recently. The 70K msrp C7 was actually cheaper to insure than my pickup truck or Jeep until a few months ago..

Only way to see if you are overpaying for your coverage/location is call around and ask. I call around every year and no one has beat what I have - bet some have been getting close the last couple years.

Blck_c7

If u can afford a Z06 just and 💰

corvettej

$1104/yr, 500D, 100/300k, no tickets, multi-car, and 62. USAA

mschuyler

Only if you're so OCD that you get caught up in details. It's like you can't see the forest for the trees. OF COURSE there are variables. Does anyone not know that? But it is still valuable to get a general sense of what people are paying, and if you are at an extreme edge then you're either very happy you are paying so little compared to the norm or just maybe you can start investigating why you are paying so much. Only you know those variables. If you're 21 instead of 61, it's obvious. If you have a poor driving record, it's obvious.

But if you are middle-aged with a perfect record and still paying $2100 a year, something is dreadfully wrong. At that point it's up to you to do some investigation and discover what the issues are. A thread like this can give you an idea of the ranges you can expect. Like anything else you can beat yourself to death with variables that MIGHT be different, or you can use these figures as a ballpark estimate and see how far away from the norm you are. Just because your obsession with detail prevents you from deriving any useful information from this thread does not mean the rest of us cannot.

atvBob

Nonsense.

The average annual cost of car insurance in the United States was $1,325 (2016 data).

However, look at the spread. And that's just ONE factor that means the difference between paying $912 a year and $2,738 a year.

1 Michigan $2738
2 Montana $2297
3 New Jersey $1905
4 Louisiana $1842
5 Oklahoma $1778
6 DC $1773
7 California $1752
8 Florida $1654
9 Maryland $1610
10 Rhode Island $1608
11 Delaware $1607
12 Georgia $1559
13 Texas $1510
14 West Virginia $1456
15 Wyoming $1421
16 Colorado $1393
17 Connecticut $1367
18 South Carolina $1353
19 Arkansas $1345
20 Alabama $1337
21 Massachusetts $1325
22 Pennsylvania $1305
23 Kentucky $1295
24 New Mexico $1277
25 Mississippi $1277
26 Oregon $1267
27 Minnesota $1257
28 Nevada $1221
29 North Dakota $1200
30 Nebraska $1188
31 Arizona $1188
32 South Dakota $1168
33 Washington $1168
34 Tennessee $1145
35 Kansas $1135
36 Indiana $1113
37 Alaska $1078
38 Utah $1061
39 Missouri $1056
40 New York $1050
41 Hawaii $1049
42 Illinois $1035
43 Virginia $1020
44 Iowa $989
45 North Carolina $987
46 Vermont $942
47 New Hampshire $941
48 Idaho $935
49 Wisconsin $912
50 Ohio $900
51 Maine $808

Gocuse

$825 for 500/500/250 BI-PD coverage, matching UM/UIM, Comp, COLL, Glass, Towing, and Loss of Use coverage through Farmers Insurance in Montana. This covers myself, my wife and my 16YO daughter.

Outlaw Joe

Travelers...$540 every 12 months. 2016 Z06 in IA. 250,000/500,000 limits with $500 deductible.

Butt Officer

I understand about the Variables, But there's not many that matter Tickets, Accidents Age Married or not. are the Big ones. Other wise it's interesting never the less what drivers are paying w/ what Co. Look at the Big prices.
If any body think it's stupid just don't Reply.
Ow Vote Trump or where Doomed.

sycraft

1100 6 months, 100/300 coverage, 250 ded with 20% add coverage USAA for a GS, no tickets, TX and 2 teenagers

OnPoint

Does seem like where a person lives can have a major impact on prices - whether it's because of theft rates or accident rates, I don't know. But it does seem the prices can swing a bit based on location.

$750 per year on mine, a '15 Callaway Z06, high limits, 1k deductible, 6 cars and a home packaged together through Farmers Insurance. No tickets (although I probably have deserved several ), no accidents, age 49.

I do kinda live in the middle of nowhere, though.

Butt Officer

Thanks for the input.
Yes big city, Big bucks.I agree.

OnPoint

Is your car a DD? Some insurers will cut you a break if you cap the annual miles. I've never done that. Figured as sure as I cap my miles, I'd go over it.

Of course, that might not work well if you DD it.

pagosawingnut

American Family. I have my home insurance with them plus one other vehicle and while my car is not a C7 Z06, it's an '08 and not a Z06 ( it does have the Z51 ) 487.00 per year.

JOEHAWK

$1400.00 year full coverage the HIGHEST DAMN coverage GEICO HAS! $0 Comp / $250 Collision. Zero accidents, zero tickets forever! 51 y/o 2016 ZO6/ZO7 told them 6k miles a year me and 43 y/o wife are drivers. BTW: 2nd car on policy and 3 MC along with Commercial Vehicle with them also.

DuvalVette

Man you guys are blowing my mind with how low your insurance costs are. I'll be contacting Geico tomorrow to see what the deal is. I did get arrested for Reckless driving when I was 16 but that was 13 years ago and should be off my record...

Just as a reminder - 2016 1LT Z51 - $2100 per year. 100/300 coverage. $500 deductible. 29 years old. Never any speeding tickets. 1 wreck 3 years ago (my fault - damage only to my car). Jacksonville FL.

runewrath

Wow I pay $1200/6mo for my wife and I. $2600/6mo for all 3 of our vehicles.
Myself - 24 1 speeding ticket, 1 following too close/accident
Wife - 23 1 speeding ticket, 1 total loss accident(rip 2016 camaro)
2015 Z06
2015 Mustang GT
2013 Ford F150

lagunabluez51

2016 Z51 LT2. Wawanesa $480.00 full coverage.

Butt Officer

Well Put! Thank's for the input. That is all I asked for in the first place.

bluman

Too many factors to compare, if you live in the sticks it's cheaper, if you live in a large urban area it's more expensive

I pay $1500 per year with Liberty Mutual
No summonses or accidents 500/500 glass 500 ded

mschuyler

So Wtf did you just prove? That there is variability between the states. So? Maybe that's something you should know about. There's variability between counties in states, too. You would need a mile-wide spreadsheet just to start. But to claim you can't derive any useful information from a general thread is what is complete nonsense. If I were paying that $2738 a year, came across a thread like this, and discovered most people were paying less than $1K, I'd be on the phone in a heartbeat wondering why and getting more quotes. You're saying there is so much variability that it's useless to try. Go ahead. Remain ignorant. Pay more, blindly, without even knowing why. It MAY be it's because you're getting ripped off. But if it's too difficult for you to figure out, no one else cares.