> In NYC with clean 15+ year driving record my premium is $270 a month

This is terrible. In Germany (major city) I pay 166 Eur a month for two cars, one normal (premium brand) family car and second being V8 coupe. I make about 25000km a year in total and have 6 years no claims. No accidents in my driving history (over 15 years). Price is for full coverage with low excess.

This price is probably driven by higher prevalence of uninsured motorists

> In NYC with clean 15+ year driving record my premium is $270 a month after discounts with USAA. Geico, Allstate, Progressive all quote me $400/mo minimum. Have driven everything from old beaters to brand new economy cars with little difference. Friends who also drive are paying around $350/mo on average.

You're taking about full coverage, right?

Yes but when I tried to switch to liability only it was $20 cheaper. What I pay seems to be the floor, it’s definitely the lowest of anyone I know so far who isn’t claiming to live outside of NYC. Meanwhile my motorcycle insurance, liability only, for an older sport bike was only $400/year with Progressive.

Interesting, when I was in high school I could not afford car insurance so I didn't't even bother with a drivers license, motorcycle license and insurance was like $80/yr.

(that was a while back though).

Wow.That a bit high even for NYC. Are you male? I have a join policy with my wife with Geico for $166 a month. This includes upgraded $100,000 liability limit roadside assistance and windshield insurance.

I have a crossover/wagon 330 horsepower V6 engine.

I guess males wreck more. I pay double now for myself as a single man with a car than I did for both me and my spouse and our two cars. Went from $100/month to $200/month overnight.

Similar here. In Atlanta, have never had an at-fault accident in my life. I pay just under $400/mo for full coverage on my 2019 coupe and my wife's 2015 crossover.

Damn, that's Ontario costs (where the insurance industry is locked in to "No fault" which whether good or bad costs good drivers more.

Wow that is crazy, also in the US my wife & I pay about $30/each a month.