Earlier quoted context omitted.
Curious where you live? The only place I ever paid insurance premiums that high (and not quite that high) was in Ontario. I pay $70.
I always chuckle when discussions start comparing insurance premiums without defining the insurance itself. Might as well compare the prices of apples and oranges and vacuums and space stations. These comments could be quoting liability only insurance or comprehensive/collision for a kia or comprehensive/collision with bodily injury for a rivian R1S. The insured amount would differ by hundreds of thousands of dollars…
The medical portion of my insurance that covers me (unlimited PIP) is like $17 a month, I can't see driving much and not spending that, even with relatively limited expectations for how much easier it might make things.