I carry full coverage on my car, its about $1K per year. That's with a $500 deductible on collision, no deductible on comprehensive. Of course, even that particular coverage would vary depending on what part of the country you're in, age, etc. I'm in my early 30's on the East Coast. Of course, I didn't have much choice as what to buy for insurance as I financed my car new, and the finance company requires full coverage. If you get a cheap enough price on a used Insight, going that route my not be required.