I've been at the same broker since I started driving 15 years ago. (which I hear is wrong and you should switch it up every 3-5 years) I pay $170/month but I don't have a rental car and the quad on the policy actually lowers my payment. All accidents/tix are gone but for the last couple years I've had one or the other. Payment went from $170-$200 and back down. I'm fine paying that since when I started I was paying $200 for basic coverage on a lifted 1985 bronco. I was living at home and making 1/4 what I am now. The VW I had before the truck cost me $70 for basic.