Cost of car insurance for male(19) on parents policy

boomie said:
Thats insane.  My 18 yo son is on his father's insurance plan and its about $1200 a year extra.

 Yup. This is much more in line with what it should be! Does he own the car? 

BG9 said:
Our son, when he was 22, (oldest policy I still have), was on our policy. 500,000 liability, property damage, 250,000 medical, 500 deductibles. The cost was $955 for 6 months. His car was in his and my name (co-owners).
Look around.

The point is that it’s high for a reason. Shopping around doesn’t change much because of how bad the parents credit, driving record, etc is.

BG9 said:
Our son, when he was 22, (oldest policy I still have), was on our policy. 500,000 liability, property damage, 250,000 medical, 500 deductibles. The cost was $955 for 6 months. His car was in his and my name (co-owners).
Look around.

jmitw said:
I wouldn't put the car in the father's name.....unless that was absolutely the only financial option.

 The father is many things but I’d trust him completely if this becomes the best option. He’s not going to steal a car from his child. He’s not that kind of “bad”. But hopefully we’ll find a better solution.

I’m making calls today around getting the kid his own policy. His own credit should be good because he’s attached to mine through credit cards. Fingers crossed. 

boomie said:
Thats insane.  My 18 yo son is on his father's insurance plan and its about $1200 a year extra.

 I priced out a 2005 Audi A4 for my 19 yo son.  I'd buy the car and add him to the my policy and it was around this price.  I have no tickets or accidents within the past 3/5 years.  Good student etc.  Basic coverage in Morris County.  Granted he doesn't live with me so the thought was I'd keep the car at my place and he'd drive it while home from college.  

It has to be related to the dad's history.

boomie said:
Thats insane.  My 18 yo son is on his father's insurance plan and its about $1200 a year extra.

 I think I pay that every 6 mos. 

Adding a 19 year old male new driver basically tripled our car insurance payments, despite the fact that my son lived away at school over 1000 miles away and did not have a car at school! This had nothing to do with either parents' credit scores or driving records, which were all excellent. It had everything to do with a lazy insurance broker who couldn't be bothered to find us reasonably priced coverage, even though we had been clients for almost 2 decades. 

I eventually located a deal through my spouse's corporate employer that saved us about 3K @ year. And when spouse left that job, the insurance company was happy to keep us as customers at the same price. 

Fwiw, my advice is to keep looking, especially for options related to employment or membership in organizations, like credit unions, labor unions, maybe civic associations like the Elks or Kiwanis?  Good luck.

finnegan said:
Adding a 19 year old male new driver basically tripled our car insurance payments, despite the fact that my son lived away at school over 1000 miles away and did not have a car at school! This had nothing to do with either parents' credit scores or driving records, which were all excellent. It had everything to do with a lazy insurance broker who couldn't be bothered to find us reasonably priced coverage, even though we had been clients for almost 2 decades. 
I eventually located a deal through my spouse's corporate employer that saved us about 3K @ year. And when spouse left that job, the insurance company was happy to keep us as customers at the same price. 
Fwiw, my advice is to keep looking, especially for options related to employment or membership in organizations, like credit unions, labor unions, maybe civic associations like the Elks or Kiwanis?  Good luck.

 We received a significant discount on our insurance for the two years my son didn't have a car at college. We only had to show proof his school was more than 100 miles away. The original cost around $1,800 to add him to the policy

finnegan said:
Adding a 19 year old male new driver basically tripled our car insurance payments, despite the fact that my son lived away at school over 1000 miles away and did not have a car at school! This had nothing to do with either parents' credit scores or driving records, which were all excellent. It had everything to do with a lazy insurance broker who couldn't be bothered to find us reasonably priced coverage, even though we had been clients for almost 2 decades. 
I eventually located a deal through my spouse's corporate employer that saved us about 3K @ year. And when spouse left that job, the insurance company was happy to keep us as customers at the same price. 
Fwiw, my advice is to keep looking, especially for options related to employment or membership in organizations, like credit unions, labor unions, maybe civic associations like the Elks or Kiwanis?  Good luck.

 Tripled doesn’t reall tell me much. If it were $1200 originally and it added $2000 for the teen that’s in line with what others are reporting. Adding $5600 still seems way out of whack to me.

Again, I can do nothing to change the insurance his father has chosen nor can I get him to shop around. My only possibility is getting him his own policy which was around $6500 a year when I checked last year. However, my mother’s agent thinks it might be less now on his own and will get back to me Monday with details after she checks a few places for him. 

as a follow up, we found the kid a policy in his own name without being attached to either parent for $3,200 total for the year. I have no idea how it worked out, even the insurance broker was shocked. I know for sure it was around $6,000 when I asked last year.  I just paid it in full for the year so they don’t change their mind-lol!!!

and, as a reward for all the work we did for HIS child, the POS father told me he decided (despite our written agreement) that he isn’t going to kick in his 1/2 anymore. The depths of his disgustingness know no bottom...

At least this is now a fair price for a kid to pay for insurance. Asking him to pay for his fathers sins at almost $6000 a year wasn’t fair to him.

I would stop expecting anything from his parents and move on. He’s an adult now and it is clear that your efforts to guilt them into doing the right thing are never going to work. The further and faster he gets away from them the better. Thankfully you have his back!

yup. I just expected that a written contract to me would be upheld but guess not. In the same sentence where he told me he decided not to contrubute anymore, he told me that he was unable to reimburse me (as we also agreed) for his share of college tuition that I paid in full last month. He pays 75% by court order but I laid it all out since it was due last month. No sorry, nothing. Just, “I don’t have it now”.  Well, I let him have it and told him I want my $ immediately now (he had until Sept under our agreement) and he came back telling me he had to borrow from his mother but I’ll get it. Like I care. I’m not his bank. He just screws himself because there have been a ton of medical bills lately which my mother has generously laid out allowing him a payment plan. She told him today that from now on since he has proven himself untrustworthy, the written divorce terms are in effect and either parent has to reimburse the other for money laid out within 7 business days. Fool.