you location is probably going to make it more expensive than any of ours. My insurance comes out to be free because of all the discounts I get for having 2 trucks and 1 car. If I didn't have the discounts it would be $28 a month or so with full coverage and 0 deductible. For my rodeo(full), 4runner(liability) and zx6r its like $118 a month or so. 25 yo with USAA