Do these prices deal with average vehicles and no good-driving discounts?

That would make sense, as out here in BC I am insuring a 2002 F-150 for just shy of $850 for the entire year. But I am at max personal discount due to a clean record, and I don’t exceed the KM limit for low use (which was introduced just a few years ago). So there is that.

Still, I paid 800+ back in the 90s, even with a discount (albeit not the max).