Here in the midwest I'm paying right around $200/year (no collision).  And we have 3 months+ / year where they really don't expect people to be riding (I do and a very small group of others are still on the road).  Not with Progressive (I'll not name the company).  Sad to say, my wife (on her first solo ride) did run into a parked car. They took care of the damage to the other car, I didn't have to lift a finger. Plus there was a $1000 medical piece they paid right out.  So I say, insurance is a good thing!