It’s high because of my age, 20. I actually just got a statement in the mail saying it’s going down to $187 a month since I turned 20 last month. This is the cheapest I can find for myself, I don’t have any at fault accidents but I do have 4 points ( or maybe 3 by now, it’s been a year) on my license from a speeding ticket last January. They are giving me a few discounts, but I would have qualified for another discount after I watched some video and logged my driving for like 3 months, but you can’t get it if you have had any tickets within like three years. Anyone who has state farm should ask about that discount btw, I think it’s called Steer Clear and if I remember correctly it was a 10% or 20% discount after you turned it in.