The average cell phone bill is about $50 per month, or $600 per year. If you use less than 250 minutes per month, you might want to consider using a prepaid plan. T-mobile offers a plan where you can purchase 1000 minutes for $100. Over the course of a year, you could make 3 purchases for a total of $300 for 3000 minutes. On a monthly basis, it's 3000/12 = 250 minutes @ $300/12 = $25 per month.
So, if you don't talk a lot on your cell phone, this may be a less expensive option for you.
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