City water line was across a State Highway for me too. In 2005, it cost me $3,500 to have a bore drilled under the highway and then a metal pipe pulled through that hole, and then they installed the gasketed water lines through the hole and tapped into the main water line. They also installed a valve inside my property line. From that valve, I installed the gasketed pipe to my home, and the Water Department came back and inspected what I did, and they installed the meter. By installing the meter next to my house, they became responsible for the line leading up to the meter. I forget why this was something they wanted, but I didn't see any negatives to it. About 5 years later, I had a leak in the water line and they came out and fixed it.
Couple years ago I had a Natural Gas line installed from across the highway to the house. Cost of the bore hole, pipe, sleeve and their labor was $3,800
I've never heard of a well that was drilled for less then $4,000