A woman is going viral on TikTok after asking a question that struck a nerve with plenty of drivers: How much is everyone actually paying for car insurance these days?
Lolo (@loloooxo), a content creator, posed the question in a February video after suggesting she might be overpaying for insurance on her two cars.
“Guys, how much are y’all paying for car insurance monthly? I pay $390 for my 2026 and 2020, and they’re Hondas,” she wrote in the text overlay of the clip.
In the caption, she clarified, “Forgot to mention the 2026 is full coverage and 2020 liability.”
The comments quickly filled with people comparing rates, offering advice, and debating whether her monthly bill was standard in today’s market. Many viewers suggested Lolo’s payment landed somewhere in the middle. As of this writing, the video has racked up more than 251,000 views.
Car Insurance Payment: What Is Considered Normal?
Whether Lolo is overpaying depends on a few factors, such as the type of car she’s driving, her driving history, and the coverage she carries.
For two vehicles, drivers in 2026 are generally paying between $153 and $237 per month for a multi-car insurance policy, according to industry estimates. But prices can climb well beyond that for newer cars, drivers with accidents on their record, or people living in states where insurance costs are already high.
That’s especially true when one vehicle carries full coverage, which includes collision and comprehensive insurance for damage to your own car. Liability-only insurance, meanwhile, only covers damage or injuries caused to someone else if you’re at fault in a crash.
Right now, liability-only policies are averaging $31 to $132 per month nationwide.
Where you live can also make a big difference. Drivers in states like Texas and Florida tend to pay higher premiums because insurers are dealing with more accidents, costly storm damage, and expensive repairs, while people in places like Idaho or Alaska will often see lower monthly rates.
One of the easiest ways to lower costs is to compare quotes across carriers instead of sticking with the same company year after year. Bundling auto coverage with renters or homeowners insurance can also lower prices.
And while adding a second vehicle usually raises the total bill, multi-car discounts often make insuring two cars together cheaper than covering them separately.
Drivers Compare Rates
Viewers who watched Lolo’s video largely fell into two camps: people offering tips on how to lower her bill and others sharing their own monthly payments to help her figure out whether she was overpaying.
The responses suggested Lolo’s nearly $400 payment landed somewhere in the middle of the pack, though plenty of commenters argued she could likely get a better rate if she switched providers.
“$110/ a month for car insurance, with a $325/ monthly payment,” one woman shared.
Another viewer added, “Girl, I pay 540 for my 2025 Honda Civic.”
“I pay 250 for a 2015 Honda,” a third person said.
“$144 for a 24 Honda Civic sport hybrid,” another user wrote.
One commenter said age was a major factor behind their own high premium.
“I pay 340 full coverage for my 2022 Honda, but I’m 21 and got my license at 18, so insurance is saying I’m still a ‘new driver,’ which is why I gotta pay that amount,” they explained.
Others pointed Lolo toward insurers they said offered cheaper rates.
“State Farm. 2 Vehicles with full coverage. $275 a month. One’s a Jeep, and the other is a RAM,” one person wrote.
“$250 for 3 cars, full coverage,” another user said before adding, “Look into Costco car insurance!”
Another viewer reported paying “465 with State Farm for my 2013 Accord.”
Several commenters also tried to explain why her premium may have ended up so high in the first place.
“What’s your credit score? Your driving history also factors in, but your credit score as well,” one person noted.
Another asked, “Do you have tickets or accidents?”
“Insurance agent here,” another commenter wrote. “Are y’all aware that age, gender, marital status, occupation, area, value of vehicles and parts, all go into consideration when getting insurance rates?”
Motor1 has reached out to Lolo via direct message on TikTok and will update this story if she responds.
