Lets not forget that this article was out of the Boston area. Until recently, insurance costs in Massachusetts were the highest in the nation, partially due to the no-fault insurance law and state-regulated rates, which drove all but two or three insurance companies away from doing business in Mass, and partially due to the fact that people in southern New England always rank among the worst drivers in the country. Even today, with the abandonment of the no-fault system the rates are still considerably higher than the rest of the northeast, as is the case with neighboring Rhode Island.
As a 26 year old adult male in Rhode Island, with a 2003 domestic wagon, no traffic violations and no accidents, I still pay close to $200 a month for comprehensive coverage. If I had a nicer import or a violation or two (as is very commonplace in this area where each individual town has revenue collecti... I mean police departments all out trying to meet their quotas) I could easily see my premiums being in the $350-$400 range.