Insurance - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

RitualOfTheSloth · 06-04-2014, 03:05 PM

Hey everyone, I'm new to the forums but have been reading posts for about a couple months now, currently I don't own an FR-S but looking to get one when the 2015's come out. I was wondering what everyone is paying for insurance, I could afford a car payment but wanted to know what premiums were.

I'm 23 with my points wiped out in January been driving for almost 6 years.

Thank you.

J_kennington · 06-04-2014, 03:17 PM

There's about 8 threads on this topic. Search please.

To be constructive, the answers you will get are:
Depends on your location
Depends on single, married, divorced
Depends on individual company
Depends on personal or family plan.

Roadcone · 06-04-2014, 03:17 PM

my insurance went up 6 bucks a month going from a 09 G8 GXP with 400hp to a 14 FRS.

chrisl · 06-04-2014, 03:59 PM

The only way you're going to get an accurate answer to this is to call your insurance company and ask for a quote. It's too dependent on a million factors to get any kind of an idea based on what people here are paying.

dtrop · 06-04-2014, 03:59 PM

Agreed with first reply....just call you insurance company and get a quote, that's their job.

But for you information.

Age: 25
Location: small town in Massachusetts (3000 people)
Clean record
Full overage+ extras
$867 a year
Single
Family household with multicast discount ( which I think is $100)

billwot · 06-04-2014, 04:52 PM

Asking how much does "insurance" cost is about like asking how much does a house cost.

You can buy basic liability (as little as $25K protection in some states.) If you add collision/comp, you can get coverage with $1000 or more deductible.

OTOH, you can liability coverage of $1M (or more), and full coverage 0 deductible, full replacement coverage, and many other options.

There is no such thing as a generic product called "insurance". How much it costs depends on what you actually choose to buy....and many other factors, as others have mentioned.

If you really want to know if you can afford the car and the insurance, you need to talk to an insurance agent.

humfrz · 06-04-2014, 05:10 PM

Quote:

Originally Posted by dtrop

Agreed with first reply....just call you insurance company and get a quote, that's their job.

But for you information.

Age: 25
Location: small town in Massachusetts (3000 people)
Clean record
Full overage+ extras
$867 a year
Single
Family household with multicast discount ( which I think is $100)

Hey, dtrop ...... are you sure that premium isn't for 6 months ....

humfrz

mav1178 · 06-04-2014, 05:17 PM

Quote:

Originally Posted by dtrop

But for you information.

Age: 25
Location: small town in Massachusetts (3000 people)
Clean record
Full overage+ extras
$867 a year
Single
Family household with multicast discount ( which I think is $100)

... which still means what you provided is of zero use to the OP.

-alex

humfrz · 06-04-2014, 05:18 PM

Quote:

Originally Posted by RitualOfTheSloth

Hey everyone, I'm new to the forums but have been reading posts for about a couple months now, currently I don't own an FR-S but looking to get one when the 2015's come out. I was wondering what everyone is paying for insurance, I could afford a car payment but wanted to know what premiums were.

I'm 23 with my points wiped out in January been driving for almost 6 years.

Thank you.

Hello RitualOfTheSouth and welcome to .... The Forum .....

We (I am) are flattered that you are checking with "us" about insurance premiums, however, our responses could lead you down a pig path.....

As mentioned, it's best to contact an insurance company and ask them.

I'll bet you're looking forward to that new car you have your eye on .....

humfrz

86-tundra · 06-04-2014, 08:15 PM

while OP should have probably searched first, it is always interesting to see how insurance rates compare based on age, marital status, etc. Just because it isn't an apples to apples comparison, it doesn't mean it isn't informative to compare against some oranges

tyrantcf · 06-04-2014, 08:54 PM

OP, Im close to your age (22) and I'm paying about $125 /month for decent full coverage. Ive been driving since I was 16 and have zero tickets or accidents. This is for a financed 2014 BRZ.

Hope to have helped a bit.

VeezyF · 06-04-2014, 10:27 PM

depends on your state too.. if it's a no fault.. also if you take out a lease or loan on the car you must carry certain kind of insurance which is pricey. Best bet is to pay 6 months in full .. I didnt carry insurance for a few months after my old car was totaled and now paying big time. I'm being quoted $475 a month ... because my credit sucks and didnt have insurance for a few months. WTF

dtrop · 06-04-2014, 11:36 PM

Quote:

Originally Posted by humfrz

Hey, dtrop ...... are you sure that premium isn't for 6 months ....

humfrz

It's 873 for 12 months.... I know my plan....

Quote:

Originally Posted by mav1178

... which still means what you provided is of zero use to the OP.

-alex

Read the first sentence in my first post and then rethink what you just said. It's much more constructive than your post...

aegisdrgn · 06-05-2014, 12:20 AM

Here's an orange for your comparison:

26, downtown LA, single, individual plan, no tickets or accidents
Collision, comprehensive, uninsured motorist, GAP.

$1800 a year. Progressive was cheapest out of State Farm, Geico, Mercury, AAA, Wawanesa, eSurance/Allstate.

I hate being lumped in with the rest of the ricers by the insurance company...

06-04-2014, 03:05 PM	#1
RitualOfTheSloth Junior Member Join Date: Jun 2014 Drives: 90 300ZX soon an FR-S Location: California Posts: 3 Thanks: 0 Thanked 0 Times in 0 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	Insurance Hey everyone, I'm new to the forums but have been reading posts for about a couple months now, currently I don't own an FR-S but looking to get one when the 2015's come out. I was wondering what everyone is paying for insurance, I could afford a car payment but wanted to know what premiums were. I'm 23 with my points wiped out in January been driving for almost 6 years. Thank you.

06-04-2014, 03:17 PM	#3
Roadcone StreetKart Join Date: Jul 2013 Drives: 2014 Scion FR-S Monogram Location: Upstate, SC Posts: 477 Thanks: 43 Thanked 180 Times in 111 Posts Mentioned: 10 Post(s) Tagged: 1 Thread(s)	my insurance went up 6 bucks a month going from a 09 G8 GXP with 400hp to a 14 FRS. __________________ TRD\|Verus Engineering\|Titan7\|DEZOD Motorsports\|JDL Auto Design

06-04-2014, 08:15 PM	#10
86-tundra Troll Hunter Join Date: Aug 2013 Drives: fr-s, tundra Location: Somewhere Posts: 1,424 Thanks: 1,695 Thanked 922 Times in 470 Posts Mentioned: 39 Post(s) Tagged: 0 Thread(s)	while OP should have probably searched first, it is always interesting to see how insurance rates compare based on age, marital status, etc. Just because it isn't an apples to apples comparison, it doesn't mean it isn't informative to compare against some oranges __________________ DIY Winjet Retrofit

06-04-2014, 08:54 PM	#11
tyrantcf Senior Member Join Date: Apr 2014 Drives: '16 WRX, CBR1000RR Location: Bakersfield, CA Posts: 560 Thanks: 422 Thanked 369 Times in 213 Posts Mentioned: 18 Post(s) Tagged: 1 Thread(s)	OP, Im close to your age (22) and I'm paying about $125 /month for decent full coverage. Ive been driving since I was 16 and have zero tickets or accidents. This is for a financed 2014 BRZ. Hope to have helped a bit. __________________ Phantom ESC'd Build Thread (Retired):http://www.ft86club.com/forums/showthread.php?t=75293

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06-04-2014, 03:59 PM	#4
chrisl Senior Member Join Date: May 2013 Drives: 2006 Cayman S, 2007 Outback 2.5i Location: Colorado Posts: 1,116 Thanks: 116 Thanked 455 Times in 303 Posts Mentioned: 8 Post(s) Tagged: 0 Thread(s)	The only way you're going to get an accurate answer to this is to call your insurance company and ask for a quote. It's too dependent on a million factors to get any kind of an idea based on what people here are paying.

06-04-2014, 03:59 PM	#5
dtrop Senior Member Join Date: Jun 2012 Drives: Wrb 2014 limited brZ Location: United States Posts: 436 Thanks: 5 Thanked 185 Times in 103 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	Agreed with first reply....just call you insurance company and get a quote, that's their job. But for you information. Age: 25 Location: small town in Massachusetts (3000 people) Clean record Full overage+ extras $867 a year Single Family household with multicast discount ( which I think is $100)

06-04-2014, 04:52 PM	#6
billwot Senior Member Join Date: Mar 2014 Drives: '11 Cayman , '14 Camry, '11 Tacoma Location: Eastern NC Posts: 509 Thanks: 57 Thanked 396 Times in 198 Posts Mentioned: 5 Post(s) Tagged: 1 Thread(s)	Asking how much does "insurance" cost is about like asking how much does a house cost. You can buy basic liability (as little as $25K protection in some states.) If you add collision/comp, you can get coverage with $1000 or more deductible. OTOH, you can liability coverage of $1M (or more), and full coverage 0 deductible, full replacement coverage, and many other options. There is no such thing as a generic product called "insurance". How much it costs depends on what you actually choose to buy....and many other factors, as others have mentioned. If you really want to know if you can afford the car and the insurance, you need to talk to an insurance agent.

06-04-2014, 10:27 PM	#12
VeezyF Member Join Date: Mar 2014 Drives: Scion FR-S Location: Palm Beach Posts: 63 Thanks: 25 Thanked 1 Time in 1 Post Mentioned: 0 Post(s) Tagged: 0 Thread(s)	depends on your state too.. if it's a no fault.. also if you take out a lease or loan on the car you must carry certain kind of insurance which is pricey. Best bet is to pay 6 months in full .. I didnt carry insurance for a few months after my old car was totaled and now paying big time. I'm being quoted $475 a month ... because my credit sucks and didnt have insurance for a few months. WTF

06-05-2014, 12:20 AM	#14
aegisdrgn Senior Member Join Date: Dec 2013 Drives: Scion FR-S 10 Series #2263 Location: Los Angeles Posts: 471 Thanks: 208 Thanked 277 Times in 179 Posts Mentioned: 4 Post(s) Tagged: 2 Thread(s)	Here's an orange for your comparison: 26, downtown LA, single, individual plan, no tickets or accidents Collision, comprehensive, uninsured motorist, GAP. $1800 a year. Progressive was cheapest out of State Farm, Geico, Mercury, AAA, Wawanesa, eSurance/Allstate. I hate being lumped in with the rest of the ricers by the insurance company...

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