I pay mine quarterly so every three months is $214 and the last payment of the year has a $15 service charge for not paying lump sum.
Thats for my '02 Silverado, the IROC and my dinosaur 750 Yamaha.
My house insurance is about $326 a year.
My insurance actually went down a little at 24, then bigger at 25. I got the "huge" reduction at 26. (like $40 to $45 quarterly). Then 27 it went down about like it did at 25. (maybe $14 quarterly??) and it slowly keeps going down quarterly ever since.
I thought I was going to get screwed 2 years ago. They wanted updated information, and my agent still had that I drove about 8,600 miles a year. I had to fill the form out and I figured up I drove over 33,000 miles a year...
They still lowered my rates....