How much you pay is based on many factors - age, gender, credit score, claims history, statistics based on your car, etc. Shop around and don't be afraid to switch carriers. Also don't skimp on coverage - it's better to have more than you need than not enough. I highly recommend Prairie Land Insurance in Chicago. They are a great agency and always shopping for the best price. I have been with them for 20 years and couldn't be happier.