Here’s a little secret. If you are able to get TLC license plates for your car, and you get a TLC driver license (tlc is for those who drive car service or uber) then you will be paying much less for insurance. You wouldn’t be buying from the regular companies like geico. You need to have special TLC insurance from select companies, but the highest they charge for anyone regardless of factors is $300 per month and it doesn’t go up from there. I used an online company called inshur.
The last I heard is that the city isn’t issuing new tlc plates anymore except for fully electric vehicles, but I haven’t checked recently. It could be worth it to get a tesla just for this