Baby Driver, the latest film from director Edgar Wright, is a flat out hit. Box Office Mojo reports it’s made nearly $200 million worldwide, making it Wright’s biggest financial success. It has a 94% approval rating on Rotten Tomatoes. There’s already talks of a sequel.
What makes Baby Driver such an unmitigated success? Insurance.
Okay, maybe not. Baby Driver is about three things: Music, heists, and cars. But after writing so much about insurance, we couldn't help but wonder what the car insurance implications were for the film.
So we decided to find out.
##What goes into a car insurance quote?
Wondering what factors determine how much car insurance costs? You can read a full explainer here, but here’s a rundown of things that matter:
Personal details like age, sex, and marital status
Type of car
Coverage type and amount
Need to get your own car insurance policy? Find out how much it’ll cost you by getting a free quote.
##What we know about Baby Driver In order to find out what the insurance costs would have been in Baby Driver, we need to know a few key pieces of information. Luckily, the film provides most of them – or at least lets us make a pretty educated guess.
A quick (spoiler-free) summary: Baby Driver is a heist film about Baby (Ansel Elgort), the titular driver, who acts as a wheelman for criminal mastermind Doc (Kevin Spacey). Baby has tinnitus as a result of a childhood injury, so he listens to classic rock on old school iPods to drown out the ever-present hum – the film’s driving sequences are timed impeccably to the beat of whatever song Baby is listening to at any given time. Over the course of the film, Baby has to deal with unscrupulous criminals, a budding love life, and making sure his songs are queued up.
With all that in mind, here’s what we know about Baby.
###The driver We’re told in a fleeting newscast Baby is presumed to be between 18-24 years old. Having the exact age isn’t crucial – car insurance rates really don’t start going down until age 25 – but luckily Elgort is 23 years old (that’s right, our movie wheelmen are now born in the ‘90s), so we used that to get Baby’s rates.
We also know he’s unmarried. Maybe it’s the minivans, but married people have lower auto insurance rates, so this is helpful.
###The car(s). We ran into two issues here. First, there are, like. two dozen cars used in this film. Second, basically all of them are stolen. Baby’s working for criminals, after all. So what cars are we deciding to insure? We chose two. The first is used in the Baby Driver trailer and the movie’s mind-blowing opening chase scene:
It’s become iconic in the movie’s marketing, so it feels wrong to leave it out of this exercise.
The second car is the one he uses to pick up love interest Debora for a date. We figure he’d probably use a personal car for this, so it’s the closest we’ll get to a car he didn’t boost.
The fine sleuths over at the Internet Movie Car Database did the hard work of tracking down nearly all of the cars in Baby Driver. The two cars in question, confirmed by a few other interviews and news articles, are a 2007 Subaru Impreza WRX and a 1981 Lincoln Continental Mark VI, respectively.
###The location Baby Driver was filmed and takes place in Atlanta. Atlanta.net narrowed down the location of Baby’s (fictitious) apartment to the Sweet Auburn neighborhood, specifically at the corner of Bell Street and Auburn Avenue, giving him a likely zip code of 30303.
###The rest Other details took a little guesswork. We used an average distance driven of 15,000 miles a year; the movie shows that Baby has his hands on a lot of cash, so we assume he has good (but not great) credit; and we shopped for a basic state-minimum policy for a him. He’s a good driver – he probably wouldn’t think he needs more comprehensive coverage.
##And the total is… We got car insurance quotes for Baby from seven of the nation’s top auto insurers. The average cost to insure the Subaru Impreza is $148 a month, and the average auto insurance cost for the Lincoln is $132 a month.
The main takeaway from this exercise? Shop around. Some of Baby’s quotes were under $100 a month, while others were over $200 a month. If you don’t compare quotes from multiple insurers, you could easily end up paying ten times the cost for the exact same coverage.
Also don’t assume what your coverage will cost! For instance, you might be surprised that, in this case, a newer car is more expensive to insurer than an older car. Another reason to always get a quote and compare.
##Baby could have used some other insurance
So there you have it: Baby’s car insurance would cost him a pretty penny. But this obviously isn’t a perfect calculation. And if Baby had ever gotten caught for any of his crimes it would change the equation (speeding, hitting other cars, and running red lights – not to mention heists – put a lot of points on your license).
What other types of insurance does, or should, Baby have? Doc probably doesn’t offer employer-sponsored health insurance, so he’s probably hitting the health insurance exchanges during Open Enrollment. If his parents had life insurance, Baby probably wouldn’t need to be in a life of crime. And hopefully he had renters insurance; he goes through quite a few iPods, and those things are getting rare.
In the end, Baby Driver is a fun movie and you shouldn’t overthink it (like we did) – but it does provide a pretty good soundtrack to listen to while you’re shopping for your own insurance.