well its better than state farm or all state who quoted me over a grand a year for the same coverage I have with gieco. I have a speeding ticket and I'm only 21 so I don't expect it to go much lower than that for at least a few years. I was actually paying $450 a year for my Ninja 250 with state farm! They were raping me, I was paying $150 a month for my car WITH a good student discount, good driver discount and 5 year no accident discount, went to gieco and my rate dropped to $90 a month with almost twice the coverage I had at state farm.