I pay 200 a month for full coverage on my truck both my cars and camper. Boat is another 25 a month. If your a veteran you cant do better than USAA in my opinion for insurance. SHow me another insurance company that gives you a check at the end of the year if they had a surplus. I average about little less than 1 month of free payment with the check every year. And the longer your with them the cheaper your rates get.