Car insurance is a huge huge huge money maker in the USA. Think Warren Buffet. The bulk of his fortune is tied up with owning Geico. Or at least his fortune started getting huge by owning Geico Insurance.
Unlike Taiwan where the car gets insured and licensed drivers are covered when they drive it. Individuals must get insurance before they can drive a car.
The price is based upon :
How long you have had a driver's license. They ask you and they have access to records within the USA. Your driving record in other countries carry less weight here. So you could have had 20 years experience outside of the USA and you may be treated almost like a newbie. Not quite but almost. So let's say she lied and said she drove for five years in Indonesia already. They may ask for proof of her Indo license and they may actually even check in INdo. But most likely they will dismiss that and simply consider her a newbie driver in the USA. She is late twenties so she is in a higher insurance bracket anyway versus myself. American insurance companies consider what you declare to be legally enforceable. You can be punished by having your insurance dropped, or they can refuse to pay if they find a major discrepancy after you have had an accident. So you do not want to f*ck with your insurance company. Or they will leave you hanging !
The car you are going to be driving. Cars that have a lower safety rating (car insurance companies have actual repair dollar amounts for various models) and higher death rates and higher theft rates carry a higher insurance.
How far is your daily commute? Do you drive 10,000 miles a year or 20,000 miles a year.
How much coverage are you after? And your deductible. Is your share (your deductible) 250, 500 or 1000. Are you covering for 300,000 per accident or 50,000 per accident. For a few dollars more, cover at 300,000 is much better then coverage at only 50,000.
Your age. Younger then the norm and much older then the norm the accident rate goes up and so does your insurance.
Your driving record. Have you had any DUI ? Any tickets? Safe to say a DUI can up your payment by 300 to 400 a month for years. A ticket can up your insurance by 100 to 200 a month (USD).
Where you live. Where you live can vary your insurance by 20 to 50/month or more.
Personally I am paying quite little at some 100/month. I have 300,000 and my deductible is 250. I drive 15k/year. I have an excellent driving record, no tickets. NO accidents (hitting the deer doesnt count against you). So I am paying at a low level. Approx 100 per month is considered pretty cheap.
My insurance went up a little bit when I had an new Audi on lease. Versus a five year old MOndeo. It went up even higher when I got my Acura when it was only 2 years old. It has gone down slowly each year as my Acura ages and my driving record remains good. And my insurance went up about 25/month when i lived in San Francisco versus living where I live now.
I went from about 100/month to 115/month from 5 year old Mondeo (called Contour in the USA) to new Audi A4 and then even higher to about 130/month when I got my Acura when it was 2 years old. Acura and Honda have very high chances of getting stolen here. Now its down to around 108/month or something like that. With Triple A, they charge you more at the beginning of the year, like 135/month and it steadily goes down to about 84/month towards the end of the year. So its hard to remember what the annual was. But it was around 1200/year. So bout 100 / month.
I know Chinese students studying at Berkeley and they are paying (depending on variables) anywhere from 300 to 1000 dollars a month !!!! They have very high accident rates. They are rich kids with rich kid cars and they like to race them with each other and often ends in a crack up.
American kids who just started getting their own insurance pay about 350 to 500/month as well.
IF they are on their parents insurance, it will be less. But any accidents affect both themselves and their parents. That is why parents like to get their kids to get their own insurance soon as they can.
Soon as the kid has a job, most people here like to get their kids to pay for their own car and their own insurance. Rich families parents will pay for that.
For me, adding another car to MY insurance will cost around 50 to 70 dollars or more (depending on the car).
Adding her to my insurance, I am expecting a LARGE dollar amount. 300/month is probably a good guess.
I should ask my insurance agent.
Hope this helps. P.s. Your pricing could vary so my experience is only a rough rough guide. Where your wife and you will be living, what car she gets, etc, can and will vary your dollar amounts from mine perhaps by quite a bit.
When my wife starts to earn steady money i want her to pay for her own car lease and her own insurance with her money.
One can get a Honda Civic for less then 200/month with about 3000 down here. A Smart can be had for as little as 100/month with about 2000 down.
An Audi A3 or a BMW 128 can be had for less then 400/month with about 3500 down.
So leasing can be reasonable here.