Absolutely no point in asking what others pay for their insurance, there are just too many variables involved. The only true comparison you will get is by giving your specific details to several insurance companies (Aviva, Direct line, etc) and using online comparison sites. As your insurance seems to be quite expensive it may be an idea to add your spouse ( if you have one ) to the policy as it can sometimes bring the premium down. On the comparison sites you can also alter the excess amounts which also affect the annual premium.