yea theres a youtuber with an F430 in Texas who pays only 400$ more per year than i do for my g37x in NJ. 100,000$ car vs prob a 30,000$ car in current value.That price means nothing to me as insurance rates vary massively between states. I can insure myself and my GF in at at fault state in our current vehicles a WRX and a legacy for 100 a month. However my current state is a no fault state and the coverage is 3x as expensive for that reason alone.
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car insurance is a billion dollar industry, they have thousands of employees, decades of data, and very advanced computer algorithms to figure out how much to charge people. they know exactly what they are doing, and are very good at doing it.