I pay $175 for 2 cars full coverage with rental and uninsured coverage with $500 deductible. its with progressive. I get multi policy discount as well. See if you can combine your house/ rental insurance that might save you some money as well. They determine the rates based on zipcode/ parking (Apartment parking vs garage parking)/ daily mileage and so on. If your city has high bodily injuries claims, at no fault claims then it affects everyone's premium.