Model 3 insurance in Michigan?

[bdice18]

I understand that Michigan has the most expensive insurance in the country, but the rates I have been getting have been ridiculous. With 8 cameras always running, and the security that the Model 3 has, how is the insurance not lower?

Currently insured with State Farm and the Model 3 would be $650 / month which is insane, especially considering some people from Michigan on here have it insured for under $200 a month. But if I were to bundle with just one other car with AAA or Progressive, it would cost about $220 / month. Does State Farm hate electric vehicles?

I am 21 with 5+ years of clean record, so I do understand a higher rate with my age, but $650 with 3 other vehicles on the quote? Just doesn't make sense to me.

If anyone has any suggestions for insurance, or what to do in this situation, or if I can get insurance for just one (my) vehicle for a low cost, please reply.

I know I am an idiot, you don't need to tell me.

Thank you

 

[trace]

I'm 22 and ended up with $197 with Progressive for a MR Model 3 clean driving record. I also did get an insane rate similar to yours from State Farm with 7 cars on my parents plan of 25+ years.

I do not think you have any other option unless you forgo some coverage which you shouldn't do. I personally do not regret it.

e. I see you may have other questions from your other thread, feel free to PM me if you still need some help.

 

[BenP]

I have found that Farm Bureau in Michigan offers very competitive rates. I have eight cars and the average is a little south of $110/per vehicle. The insurance on our MX will be $2200/year so $185/ month.

 

[bdice18]

I have found that Farm Bureau in Michigan offers very competitive rates. I have eight cars and the average is a little south of $110/per vehicle. The insurance on our MX will be $2200/year so $185/ month.

How much would it be for just one vehicle do you think?

 

[hlin07]

ALWAYS get multiple quotes. While I'm in NJ and our situation may be different, but my first insurance when I was younger were from an insurance broker. It doesn't hurt to call a local insurance broker and let them shop rates for you. The only ones they can't do are online companies such as progressive, Geico, etc.

 

[DirtyT3sla]

I use Allstate and they were only $14 more a month than my Ford Focus. I compared with progressive and it was pretty much an identical rate.