I am 22 and have LOTS of tickets and mine is only about 275 a month. The only reason why it is so cheap is because I am on my grandparents insurance along with my grandparents, me, my brother, and an uncle so we get a group discount. I priced it for myself and with a $1000 deductible it was going to be $2,800 for 6 months. I said forget that and stayed on my grandparents insurance.