Too many variables to consider. for example, I live in a rural area and my son lives in a metropolitan area (Seattle). His insurance is $200 a year higher than mine. Your age is going to be a big factor. If you can get added to your parent's policy, that may be cheaper for you. If the car is not fully paid for, the lender will require full coverage to protect their investment.
There are on-line quotes available from a number of sources. Try there.
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