From www.bls.gov :

Avg. ins. cost per hour for auto manufacturing employees - 1.65

times 2080 hours, and you get just a little short of $3500 / year

Number of workers in US auto industry - 1,056,900 (1999)

from www.autointell.com:

Number of vehicles produced in US (1997) - 15,971,000

so, it's roughly 16 cars per employee, $3500 / 16 = $218.75

Not knowing the specifics of pricing with each type of vehicle, it's entirely possible that a substantial amount (1-2%?) of the car price is insurance. A lot of salaries and profit built in, too.