It is difficult to determine if spending $200 per month on auto insurance is worth it without knowing more information about the individual's specific circumstances. The cost of auto insurance can vary based on a number of factors, including the type and amount of coverage, the individual's driving history and age, the type of vehicle being insured, and the individual's location. In general, full coverage auto insurance is more expensive than minimum coverage, but it may provide more comprehensive protection in the event of an accident or other incident. It is important for individuals to carefully consider their needs and budget when deciding how much to spend on auto insurance.