My broker DID say "be thankful you're not in Ontario." Did you call her, ron?
The bill isn't heart stopping, $2500/yr, but on the high side for a new driver. The reason is that we carry a lot of liability ($3M) and other non-car related benefits. We could have saved quite a bit by reducing coverage and by adding her to our policy, but we registered the Subaru to her and she has her own policy. The bet effect of those things we pay more, but sleep better - worth it to me.
I called around, and even with the most basic coverage, the cheapest I could find was about $2200 for her to have her own policy. All other companies went past $2500 once we increased the coverage to what we have with our current company.