My insurance agent said that is the cheapest rate he has seen so far this year. He said it was due to my safety score and history. I have had a clean mvr for years and that probably also is a factor. I think most people pay between $6,000-8,000/year. I have been offered some really good paying freight if I agree to bump up my coverage. My agent is supposed to get back with me in a few days with the new rate. I may be up there with everyone else if I get the higher coverage.