A Boring Dystopia

Yes but as a Texan. Majority of cars people drive are status symbols. I see trucks as large as military vehicles driving around like no one's business.

So yeah... Insurance is going to be higher because of these drivers and payments are going to be high.

My 2007 Honda Accord does not have anything close to a 200$ a month insurance payment, nor I have a car payment to worry about.

Auto insurance in the us is nuts.

But having to have a car and having to have car payments are two different things. Boggles my mind what people are willing to take loans for. Save the money and buy it, or don't buy it at all.

I, too, need a car. But I choose not to go down this route.

I bought my current one five years ago for $4k and spent another $2k to get it reliable. Minimum liability insurance is like $20/mo.

I'm looking to trade up in a bit for something twice as pricy, and I'll skip the loan part then, too.

You don’t need to spend $700/mo to get a car. Spending that much is a choice you are free to make, but still a choice in the end.