The only insurance "break" we get here in Taxachusetts is when they send someone to break your legs for not paying.... Costs over 2.5 grand to insure two cars in the 'burbs here and we are both low risk, a 2001 accord and 2005 HCH. Sheesh.... As soon as the hybrids get more popular, they will cost more to insure because those are the ones that will get stolen first for parts...