if it makes you feel any better my insurance is $110/ month for full coverage on a 06 frontier and liability on my 95 civic...and i just turned 25 so its about to drop again!!! not driving like ****tard is ftw!!!! asking your freind to take a hit so you can have some **** ass bike is ftl....even with you as primary the insurance policy is in her name. if you decide to quit paying its up to her to take care of it. i dont blame her for dropping your ass like a diseased peice of beef. i wouldnt insure anyone on my super clean insurance. try getting a good driving record then you can get all the fun stuff you want....its kinda like credit