IM 19 years old, I pay $100 per month with geico, I have not had any speeding tickets, I have not been in any accidents, I had my license for about a 3 - 6 months now, I own a 1997 ford Taurus. Am I paying too much for car insurance?

Oh heck no. Men and women under age 25 pay the most for car insurance, and what you're paying is very reasonable. 20 years ago, when I was 16, I was paying about the same to drive a used station wagon with no tickets and no accidents.