I have been paying about $200 a month since I was 17. My first car the Toyota was $2,400 a year to insure. The SDL was $2,600, if I bought an SEC it would be a nice even $3k.
The SD costs a bit less because I don't carry anything on it, but it still is just under $200 a month.
Just bend over and pay it, I am 20 so I hope it goes down a bit this year. I would kill to pay only $100 a month that would be sweet!