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This is not something that can be determined with the information you have given here. Different insurance companies have various billing charges or methods of determining how it breaks down premiums. Many companies divide coverage evenly into twelve equal payments without a billing charge if the premium is drafted out of their checking account on a monthly basis. If their premium is billed to them and then they mail a check to the company they may have a billing charge of about 6 dollars per payment. The amount of the billing charge will vary depending on the insurance company and the states where your are dealing.

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Q: Auto insurance is 197.6 if his drive rating factor is 3.7 how much is his yearly premium?
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