Mainly because we live so close to obamaville, with its assorted car thefts and other vehicular problems, for my 2007 Honda Ridgeline State Farm charges:
361.99 twice a year.
That's discounted by 88.73 for multiple line, 79.63 for multicar, , 3.33 for anti-theft, 3.43 vehicle safety, and 94.90 for accident-free.
The total would be 361.99 + 270.02 = 632.01 each 6 months. And yes, I have shopped around, and we get the best deal from State Farm.
We hate this damned state and cannot WAIT to get the hell outta here. My wife retired in November, then it'll be some serious searching, maybe in Wyoming, with no taxes on ANY retirement income, i.e. pensions, SS, IRAs, etc.