when i had my 4dr civic i was paying 205 a month till i turned 21 then it dropped to 105 a month when i got married it dropped more to like 60 a month. Then i traded my car in and got a 2003 expedtion and my insurance dropped 4 dollars and now me and my wife pay 110 a month for a 2003 ford expedtion and 2001 ford explorer sport trac.