youngins like me get screwed over, but when I see most people drive that are my age(18) and younger, it's no wonder they charge so much more, crazy ass drivers. If your over like 24 or 25 I think the price comes down, but if under that age expect the lowest possible minimum be like maybe $2000 a year for minimum coverage(no collision if car paid off) and no tickets and accidents. I dont know thats how i think it works. SHop around