A lot depends on where you are. Some states, like MA, set the rates at the state level. Not sure how it is in NY. We switched to AAA, which out here in IL was waaaaayyy cheaper than State Farm. My '03 X5, my '06 Z4, and my wife's '06 Civic together run us about $1450/yr with 100/300 full coverage. In MA I bet it would be nearly double that. If you're near NYC, it's probably even worse.
