Hmm, the only thing I can think of then is that perhaps the payment is lower than she's saying, but that she's inflating the price to gain sympathy or to make it sound more believable for why she's out of money seemingly every month - like she feels it sounds more acceptable to say its because of the car insurance company than from whatever else she's wasting money on.
Actually - just to make things even worse (or more comical) - she has lately been taking advice from a lady there a bit older than her who has been telling her 'oh you don't need to pay the insurance, just don't pay it and when they cancel it, only turn in one of your plates at the DMV, I do it all the time.' Which REALLY doesn't even make sense to me from a logical/feasible standpoint but seems like the worst possible person to take advice from. This is from a person who makes very little money, is constantly complaining about money woes, and yet who goes out for a big entrée takeout lunch at local restaurants every day - I'm not even talking about food court for like $7 or $8 - I literally mean going to a sit-down restaurant like Joe's Crab Shack or Applebee's and bringing back the entrée and appetizer for lunch which I would imagine probably costs $15-20, and eats it when she gets back to her desk since they get a half hour for lunch, so not nearly long enough to go to one of those places, and you get docked pay if you get back late - which, as you might imagine, she frequently does.
On the subject of her - here's my favorite quick story I think you guys will get a kick out of this one - There's a $5 a week 'lottery pool' that most of the people play in. Not only is it bad enough to be in something like this (I personally played out of guilt at first/didn't want to rock the boat since I was new, but quickly stood up for myself and politely backed out after a few weeks) - she actually is 'BANNED' from it/got kicked out of it because she kept saying she'd pay her $5 next week, and racked up a 'debt' with the person who runs it and just keeps making excuses for why she can't play so they told her she's not welcome anymore. If you mention her to any of them they get very defensive/nasty so I don't know how much of a 'debt' she ran up but they are clearly bitter about it lol. So not only are you IN a lottery pool like this which is probably a bad idea - you are in it and you couldn't afford the $5 so you are banned from it! Aye aye aye.