One thing is clear, no one on this site can give you an accurate indicator of what YOUR insurance will cost, there are just too many variables. Your best bet is to get as many quotes as possible and eventually they will coalesce around a range. I pay $43/mo for my ST3 (250/500/100) with $1000 deductible, but I have three cars, a motorcycle, home owners, and umbrella insurance all with the same company (Progressive). I have ZERO claims for the last 10 years, a 780 FICO score, and my wife and I are past 50 yo. That is probably the floor for insurance, but the sky is the limit. Can you get on your parents policy, that will normally help. Shop.....shop.....shop.