Liability-only insurance with minimum coverage for a good driver with a single car would be only $300-$400/year in my area. $1,200 is if you have collision and

Liability-only insurance with minimum coverage for a good driver with a single car would be only $300-$400/year in my area. $1,200 is if you have collision and comprehensive The cost varies dramatically from area to area though because each neighborhood has different loss risk, each state (and some locales) has different rules for underwriting, and different minimums for coverage.