well one reason is that i drive a 2003 pontiac grand am GT. not exactly a sporty car, but i'm not really sure if that affects it so much since i'm not paying for comprehensive and just liability. i was pretty astonished when i found out my rate too - it's hard to explain. i went in there expecting $100-$150 a month best case scenario. my old insurance company paid out over $60,000 on my behalf, yet i'm still only paying about $400 a year for insurance. my credit rating is in the top 2%, which figures into it somehow or another. i know about that because the insurance agent told me about how i qualified for mutual or some !@#$%^&* because of my high credit rating, otherwise i wouldnt have. i dunno all the insurance jargon or whatever. also, she said that the wreck that i was "at fault" for, was over 36 months ago so it didnt affect it as much as it woudl have (this despite the fact that I couldnt drive for like 20 months cause i was in prison anyways). my insurance had also lapsed for those 20 months, which increases your rates some (apparently not so much). i live in rural texas, and dont use my car for work/school, so that lowered the rates. honestly, i have a hard time explaining it myself. i know there is a huge diff between if you have comprehensive and just minimal liability though. you've probably got comprehensive insurance, underinsured motorist coverage, etc, which will increase the price a lot - especially with a high value car. i was so shocked when she quoted me the rate that i even explained to her about the automobile wreck, alcohol involvement, etc. i was worried that maybe if i ever got in another wreck they'd say i had misinformed them or something and refuse to cover it? it was just very bizarre.