Insurance is highly overpriced in the state of WV. You'd think I'm paying higher because I have my own policy, and am only 18.. But nope. My mom is 52, and would actually pay a little more on her own policy than mine. If I remember correctly, if I wanted an entire year by myself it was 2,200, and if my mom was by herself it would have been 2,500.. Hard to believe, I know...