I pay £530 a year in the UK (with my wife as a second driver).

Age: 32
Wife's age: 43
Sex: Male
Cars: 1 (but access to wife's car)
My car: Mazda MX5 1.8i
Wife's car: Ford Fiesta 1.4
Points on license: None
Points on wife's licence: 3 (recent speeding fine, 70mph in a 60mph limit)
Accidents on current record: None
Accidents on wife's current record: 3 (one her fault, head on crash)

Yet adding my wife to the policy still reduces the premium by 5%, go figure...

P.S. If I ever get round to adding a second car to my fold (either TVR Tuscan or Ultima GTR kit car) then my insurance will probably go up to something over £2,000 a year.