Honestly, $205 isn't that bad for a new driver, even for just minimum coverage.

I have my 24yo daughter on the same policy and it is $130 a month for two drivers and two cars with full coverage and increased liability amounts.

She was paying $225 a month on her own policy.

As a new driver in her late teens/early 20's, it was closer to $250/300 for basic coverage and liability.