"From a professional insurance standpoint, we look at that and scratch our heads sometimes," Biskupiak says how does a gypsy insure a car. Are you sure you only have comprehensive on your car? Or do you mean liability? Liability is a legal requirement, anything above that is extra is car insurance cheaper in nc than ny. For liability only you should be under $300/year. 5 years ago I was paying under $200/year for liability only 50/100 coverage...I hate inflation.