I think my wife and I might be getting ripped off. I was curious to know how our monthly insurance expenses stack up against other readers'. We're in Canada, so we don't pay a monthly health insurance premium.

Our monthly auto, home, life, and disability premiums total over $370/month. Is this a lot, or is this pretty much what everyone pays?

$178 of that is home/auto insurance, and the other $192 is disability and life insurance.

Out home owners insurance is around $30 per month for a home valued at $150k. Car insurance is around $96 for two cars, a 2005 Nissan Sentra and 2005 Toyota Camry. I get long and short term disability paid by my employer as well as two years salary worh of life insurance.

Total monthly expense is around $126.00 through Liberty Mutual.

we pay 1500 per year in car insurance (2 cars, one new), and then pay 650 in home insurance on a 300-350k home (not sure its "true" worth right now - purchased in 04 for 285k).

so that's 2150 a year, divided by 12, roughly 179 a month. I also pay an extra $60 per year for my engagement ring insurance. So maybe closer to $185 p/month. State Farm.

The only life/disability insurance I have is what i have through work-> we don't have kids so this is enough for us.

We pay $180 for our home, 2 vehicles and camping trailer. Seems like your Home and auto is on par.

But for disability we pay a total of $60 a month and for life Hubby and I combine for $35. Granted we purchase both plans through work, but we carry close to $250,000 on each other. This would be the area I'd look into to see if I could find a better deal.

for 2 cars, renters, and road side assistance we pay 126 a month. My husband gets life and disability through his work for free (three times salary for his life, not sure on disability).

One car, one motorcycle, basic renter's insurance is about $90/mo. Car insurance is $1000 deductible and cover collision/comprehensive. I can afford to self-insure, but it's really not a huge expense. The liability coverage is also quite high.

Health is another $44/mo for basic catastrophic coverage pending a change to work-based coverage (also lousy...it's a small company so they don't lay out huge benefits, and sorta pass the savings to us in wages, which I'm ok with!).

I only own renter's insurance for becuase it's almost free with the multi-policy discount, but I sure felt better leaving my apartment last week with the sight of a forest fire a couple miles away

I am about to change insurance companies for auto because I got a new car and my current insurance company is jacking up the premium (yay to GEICO for being cheaper).

$124.43 a month for Medical Insurance (moderately low co-pay, pretty low deductible and out of pocket maximums)
$18.75 a month for Dental Insurance (comprehensive)
$5.43 a month for Supplemental Life Insurance for my wife and I over what the company pays for us ($20,000 for her; $80,000 for me)
$2.23 a month for Supplemental Accidental Death/Dismemberment ($80,000)
$8.33 a month for Renter's Insurance
$100 a month for Car Insurance

So $259.17 a month all told for insurance for various parts of our life. My employer has Long Term Disability insurance by the way, though I sort of think that it would be worth considering getting more since it only covers 50% of wages.

this is comparing apples to oranges, since you haven't listed the details affecting insurance like previous insurance claims, accidents, age, previous medical conditions, coverage limits, deductibles, credit ratings, how many vehicles, multiple policy discounts, etc, etc, etc. Moreover, I'm not sure about Canada, but insurance varies from locale to locale.

option is to shop around with other insurance providers to see how they stack up to you.

$65 per month for 1 car and renter's insurance.

car insurance:
2 cars, one very old and one fairly new.
2 people with clean driving records
$79/mo

renters insurance:
$500 deductible
$11/mo

health insurance:
2 people, not quite fitting of the HDHP definition but close.
$417/mo in full, i'm so thankful my student loans are paying some of it. though it frightens me to pay off money borrowed for health insurance premiums.

that's all the insurance we've got right now.

All of you guys suck. Down here in Florida, my home owners insurance is about $1500 a year for a house that is valued at $150K.

3 cars / 3 people (full coverage.. $500 deductable).. $1800 a year

insurance for me (single) -
1 car / 1 person (full coverage, $1000 deductible) - $133/month
dental - $8/month (low deductible, comprehensive coverage)
medical - $60/month (low copays, low deductible)

work covers life insurance ($100,000) and basic AD&D ($100,000)

This kind of cracked me up - but not because its funny. You are upset that your insurance is so high? Do you NOT live in a hurricane prone area? That's kind of how insurance works - high risk, high premium.

Only because we had one freak hurricane season where 4 hurricanes hit Florida (about 3 to 4 years ago)- and none of them hit my geographic area. Before that, insurance rates were "reasonable." Companies just started writing policies again. Total scam. Instead of diversifying across states, the large companies set up subsidiaries for each state, so when something happens, they can "show" a "loss" to the state governement to justify either not writing new policies, or jacking up rates. Meanwhile, the parent company continues to rake it in.

And all of you guys do suck with your low premiums.