The seven variables, in the order they matter
Height sets the material. Offsets decide whether a rigid liner is possible at all or whether a flexible one is required. Diameter is set by the appliance's listing, not by what fits. Insulation is a performance requirement on a cold exterior chimney, not an upgrade. Tile removal is the single largest swing item, since a flue whose existing tile leaves too little room for a correctly sized insulated liner turns a day into several. Crown and cap condition decide whether the installation lands on sound work. Access decides how the crew reaches the top safely.
What a low quote is commonly leaving out
In order of frequency: the insulation, which is quietly dropped to hit a number and which the reader cannot see once installed; the tile removal, quoted as an unknown to be discovered later; the crown, left cracked under a new liner; and the correct diameter, substituted with whatever the existing flue accepts. Every one of those is invisible on completion, which is exactly why they are the items that get removed. Ask about all four explicitly and the quotes commonly converge.
Insulation is not an upgrade in this climate
An uninsulated liner in a cold exterior chimney runs cooler, drafts worse and accumulates deposit faster than the same liner insulated. On a stack on the north side of a house at elevation, that is the difference between an appliance that works and one the owner blames for the next decade. Insulation is also frequently required by the liner's own listing for the clearance available. Treating it as optional is where a cheap liner becomes an expensive mistake.
How to compare two proposals
Put them side by side and check five things: the stated diameter, whether insulation is included and of what type, whether tile removal is included or excluded, what happens to the crown and cap, and what the warranty covers and for how long. If both proposals answer all five the same way and the numbers still differ, you are comparing companies. If they answer differently, you are comparing different jobs and the cheaper one is not cheaper.