I'm 24, no accidents or tickets. Through progressive, it was 180 a month for full coverage (250 deductible). I called 21st, and they offered me the exact same quote. I called AAA today, and surprisingly they offered me 130/mo for the exact same coverage. The only catch is I need to pay the 67$ annual member fee...which considering the savings pays for itself in about a month. AAA ftw!