$250 a month seems a little high, when I first started driving I was paying around $120 a month, of course this was about...oh....12 years ago....but I was also driving a normal everyday sedan that my dad gave me.....nothing special.
Edit: Correction....that was not for the s$%^ brown old cavalier I first drove, it was for my Grand Am, the 2nd car I had. The first one was on my parents insurance since it was actually still their car.