USAA is quoting the exact same rate for my HCH as I was paying for my F150 4x4 Lariat Supercrew I just traded in.

I think it's ridiculous. The car is half the cost of the truck, is less likely to get in a single car accident, less likely to cause damage to others, etc. But they say that the crash test rating of the HCH is just a tad higher than the F150 and that's why it's the same. I couldn't get an answer as to why the rest of the variables don't bring it down in comparison.

I don't know if these cars just aren't widespread enough, or if USAA is behind the curve, or what. Geico quoted a rate at 50% of what USAA was quoting me, but who knows if they would raise that rate after the next renewal or what.

I agree though, as a group hybrid drivers realistically should be getting the same discount that you get when you pass 25. I'd be interested in seeing the per-capita results for the past 5 years... I'm betting the Hybrid drivers are in *far far* fewer accidents compared to the non-hybrids. I'll bet even a simple breakdown of hybrid civic drivers vs non-civic drivers would be far different. Amazingly the hybrid is more expensive to insure than the non-hybrid.

I'm not sure what I'm going to do about my insurance come December when it's time to renew. I don't want to be paying the amount I am now since I could replace my car in 7 years of insurance payments, which is just silly.