Depends on the cars age and value. My wifes 2016 Explorer was like 100$. My cars first year was cheap, they only hit you for 50% of the value on the model year, but then its 25$ per 1000$ of 90% of the cars value in year 2. By year 5 or 6 its based off 10%. So if you have a new expensive car it is brutal for a couple years.