By Adam Jusko,,

Trying to understand the costs of auto insurance is very annoying. What can you expect to pay? No one wants to tell you the true price, the real, hard numbers.

Well, I’m only one person, but I’m going to tell you exactly what I pay for my car insurance from State Farm. I’m not going to give you every detail, but enough to help you.

So… My wife and I own a 2011 Subaru Outback and a 2017 Toyota Highlander. We both have fairly comprehensive insurance, because we bought both cars new. (I know, buying cars new is a terrible financial decision, we don’t always make the right move, OK?)

My car insurance costs just over $400 per year, or about $33 per month. Hers costs $585 per year, or about $48 per month.

A few factors to consider as you compare your situation to ours, because we are likely to have lower rates than many people:


I am in Ohio, in the Cleveland area. Ohio insurance costs are fairly low in relation to other states. (You should move here! Ohio’s the heart of it all!) If you are in a more expensive state, you could be paying 50% more than us (or even more than that).


As much as I hate to admit it, we’re solidly middle-aged, both over 45. On the upside, us geezers get better rates than younger drivers, because actuarially we are less likely to have accidents. Our years of drag racing down the open roads on the outskirts of town are far behind us.

Multiple Policies

We have car insurance and home insurance with State Farm, so we get a discount for giving them all of our business.

Track Record

We have good driving records, though my wife’s is much worse than mine. (Just kidding, honey.) The longer you go without having claims, the lower your insurance rate. (You probably knew that already.)

Bid it out!

We will soon have a new teen driver (yikes), and you can be sure we are not just going to assume that State Farm will be the lowest when we add this risky youngster to our policy. We are going to get new quotes when the time comes to make sure we’re doing the best we can. You should, too! Don’t get lazy and stick with an insurance company because they seem OK and have a well-known brand. Bid it out!