When talking insurance costs we need to make sure we're comparing apples to apples. One of my relatives was shocked to hear that he was paying a whole lot more for insurance than I was for mine, until I pointed out that I was paying for liability only with no provision to repair my 17 year old vehicle, While he was paying for full coverage on a less than one year old $30,000 plus vehicle. Also,m I imagine that thefact that I live in a small city in New Mexico while he lives in a major city in the midwest makes a diffeerence.