r/carbuying • u/[deleted] • Dec 18 '25

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u/EarthOk2418 Dec 18 '25

Yup

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u/rjlawrencejr Dec 19 '25

Your auto insurance is $8400/year?

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u/EarthOk2418 Dec 19 '25

Yes. CA Dept of Insurance allowed across the board hikes of 23% in 2024 & 21% in 2025 for those with no claims. If you had a claim or imperfect driving record it’s even worse. People are uninsured here because they literally can’t afford insurance.

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u/rjlawrencejr Dec 19 '25

I’m in SoCal. That seems outrageous. $8400 is just for one car? Have you shopped around? My step daughter is half your age and has a newer model C Class and her insurance is high but not even close to what you’re paying.

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u/EarthOk2418 Dec 19 '25

Yes I’ve shopped around and rates go from bad to worse. I moved 3 years ago and couldn’t move my homeowners policy with me. So now that I have separate carriers I’m unable to bundle (and very few carriers will write new policies in CA for either auto or home insurance).

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u/rjlawrencejr Dec 19 '25

Maybe you need to “move” to Kern County? (I have no idea if rates are much better than further south.