That was a few years ago. But I have the same coverage and cars for $580/6mo. BTW it's cheaper to pay all at once usually.

But our cars are compact and subcompact about 9 & 10 years old. We carry 100/300/100. It's GEICO is MD but it was also about the same with progressive in FL. Only one of us has a perfect record, the other is still minor and rare.

So you may just live in an expensive state for insurance.

I'm in a similar position, middle aged, clear driving history for about 15 years, car's an '18. I pay ~$450 every 6 months with Progressive. Paying the whole amount up front gives me a good discount. If you can't do that size payment at once you can pay with PayPal credit and it should be no interest for 6 months so you can get the discount and still pay monthly.

I live in the Netherlands and now pay €188 a year. It's just a "wa" insurance meaning if I hit something they pay the damage of the other's, but not mine damage.

I drive a car from 2009 and have 10 years of no damages. So if your willing to move to the Netherlands wait 10 years you can lower your payment. (Not really a option I guess)

Farmers

2003 Subaru WRX and 2001 Toyota MR2

250 bodily injury per person

500 bodily injury per accident

100 property

Comprehensive and collision on the MR2.

Total is 494.50/6mo