I had the same after living in NYC for a decade (no need to own a car - not rich enough to pay $500+/month for parking).
Despite years of coverage before that, a completely clean record, etc. most insurance companies would not even cover me and those that would wanted to charge me the same as an 18 year old. Finally got an agent who could bundle home owners and car insurance together and only pay $1200 a year for the car. And then the following year it stayed the same because they said the conditions that applied when you first signed up are carried over to the next.
Crooks
