I don't know if I believe that LJ, sorry man.
I am also through State Farm, no wrecks, no tickets, no claims ever (23 years old)
I have:
3 rentals
1 personal home
3 cars
1M Liability on each rental
2M personal umbrella
Total: $415 a month for everything. My cars are $142 for all 3 (full coverage on all), $30 for umbrella, $60 per rental and $63 for my personal home