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> 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?

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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).

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