Exactly correct. Pricing depends on your age, marital status, driving record, and the zip code you live in. I am paying $94 per month to Progressive, for my X. Plus I have the maximum optional accessory coverage ($5,000) because the car is wrapped. But I am 70 yo, married, squeaky clean driving record. I also have four covered vehicles, and homeowners w Progressive. If I moved 5 miles to the north (next zip code). it would be even less.