Cabin air filter is twice a year at $18 a filter (I replace them as soon as it smells weird)
Home electricity is cheap at least. (7¢/kw)
Source: https://www.pge.com/assets/pge/docs/account/rate-plans/resid...
It sounds like you pay much more. Any idea why?
Another reason might be that insurance costs vary widely in the US. I recently had a reason to get an insurance quote in Utah, and it was literally one third the price that I currently pay in California.
All that said, you do seem to enjoy remarkably cheap insurance over there from my perspective. I hardly think those two factors are enough to cover such a large difference.
Maybe also lower average value of cars and less accidents here plays some part. But not sure how large that difference actually is.
Could also be some difference in the insurance premium systems: The amount of accidents changes one's cost for next year based on fixed rules - the ~$20/mo is with the highest discount (no liability insurance covered accidents in many years). The maximum it can grow to (for me, with my modern car) is ~US$100/mo, by having 4 consecutive covered accidents without accident-free years. Not really sure how wildly this varies in other countries or if the systems are similar...
The optional car insurance is more expensive, my full coverage (including damage, theft, parking, glass, fire, towing, substitute car etc.) is in the ~US$100/mo range, with ~$230 deductible on most coverage, and towing, substitute, glass repair at $0.
Who cares? Liability coverage is only there to satisfy the state and little more IMO. If you do need it the counterparty will exhaust the limits of your liability coverage and call it quits. It is not worth it for the other guy's insurance to sue you unless you're a million bucks in the red.
