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When I was around 18-20 I was paying $325 a month liability only on an my old 71 Chevelle... I had one accident at fault, 1 street racing on the highway, and 1 careless driving. Now @ 27, I currently have a clean record and I pay about $63 a month for full coverage on the Camaro, and liability on my 93 F250.
$860 seems pretty odd for a guy with only one accident. Shop around. I always get new quotes from a few companies each time my policy is about to come up for renewal, although to date I have never found a better deal than the company I'm with now, and have been with them for about 4-5 years now.
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