I just have liablility (it is all I need, I do all my own work and can get parts dirt cheap if I ever need repairs). I could get full for about $1000-1300, but that is $1000-1300 I can invest and put to far better uses. No accidents, no tickets, no claims and over 25.
Play around with the coverage, different levels, different deductibles, etc. Also, check for discounts like AMA membership, MSF course, etc. Tell them it will be for recreation only (high milage, to-from work generally puts you in a higher liability range).