Have some traffic violations?
Probably a combination of age, gender, and model of vehicle.
In '87 I was paying $1300 a year on a single car... 19, male, Dodge Challenger ('81 model, Mitsubishi/Dodge... black listed car). That was with a good student discount, driver's ed discount, and married discount. I would hate to know what it would be today, but probably about what Baez is paying.