I have no points, tickets or accidents for almost 5 years and pay $194 a month. I have the Frontier and Cutlass on the policy and have no comp or collision. However, I have 25/50/25 limits instead of the state minimum 10/20/10, and also have $0 deductible PIP and $5,000 in additional med payments. It is a commercial policy for pizza delivery too, which adds to the price. As for me, I'm 35 and have owned the same house since I moved out of my parent's house at 22.