We have clean driver records and paid off cars, and insuring 3 cars 4 drivers is running $900 a month for us here. That is car insurance alone, no car payment. Phone we do pay $200 but it's covering 8 people, calls text unlimited data on 8 phones so if we made the kids pay could reduce that to about $50.

But your $50 car insurance is unusual. And not everyone can get a rate like that while simultaneously living close enough to work to manage the rest of the transportation expenses.