Depends on the state.
But its going to be high to get insurance on your own. You might be able to have your parents on your insurance to bring down the price a bit. Being young is a risk factor in insurance, and youll be qualified as a youthful driver either until youre married or youre 25 (depending on the state), when rates will go down. There are things that you can do to bring things down. First of all, drive a safe vehicle, and probably an older one. If you have an older car and just want liability insurance on it (you cover other people if you get in an accident) without the additional comprehensive (hit a deer, parked car gets hit, etc) and collision (accidents), youll save money, because comp & collision is expensive. If you have to have comp & collision (newer car, car is worth fixing if in accident, have a loan on the vehicle), you can put a higher deductible (the amount you would pay if your car is in an accident) to lower the cost of the premium. And then there are discounts. Because you have no tickets on your record, you can most likely qualify for some type of safe driver discount. Once youre going to school, you can get a good driver discount (usually you need a GPA of 3.0 or higher for this), and some companies might give you a defensive driver discount if you take additional driving courses. Make sure to ask any agent who is giving you a quote about discounts, and get quotes from a few different places (keep the quotes and details they give you) so you can shop around. Have the agents explain all of the different coverages and what everything on the policy means.
For a sedan, you might be looking at $100 a month because youre so young. For a motorcycle, you might not be able to get coverage without already having an auto policy in the household (this can be helped by being in your parents household on insurance), but if you can get motorcycle insurance, it is noticably cheaper than a car to insure, I usually see yearly premiums under $200. Motorcycle insurance is really different compared to auto, though.

There are many sites where you can get online auto insurance estimates quotes. What you need to do is get quotes from the leading insurance companies and compare them.

Each company will give you a different rates based on your personal record and vehicle details. They will check what is your driving record, tickets, marital status, age, credit score, etc. But they will also check your vehicle detail such as mileage, make year, model, type of car, use of car, safety devices and so on.

There are cars that are considered to be more risky than others and thus pay higher rates. Sports are are considered a high risk thus they are expensive to insure. But if you buy a cheap family car you will pay lower rates.

Your estimates also depend on how much you use your car a year, if you drive more than 15,000 miles you will pay more than if you just use your car 5,000 miles a year.

Keep in mind that young people under 25 pay much more higher rates than older people, due to the risk factor that they represent and inexperience. ALthough there are ways to get discounts and thus affordable rates.

Shop around compare quotes from different companies and choose the one that gives you the best coverage, with the best customer service and affordable price.

To get online auto insurance stimate quotes, just enter your zip code in the box above this page.

Im just 18 years old female with not car accidents or speeding tickets. I have a part time job and and going to start classes at a local community college soon. How much do you think auto insurance would be for a motorcyle and a small sedan.

I know i can get free auto insurance quotes but i want to know what are peoples estimates, so i can guess how much it will be per monht. I just need an educated guess.

R:

Unfortunately for young people car insurance is expensive because statistically they drive more reckless and cause more accidents. So it is a good idea to be included in your parents insurance policy to bring down the costs.

But there are a few things that you can do to reduce your rates

drive safely, dont have claims or speeding tickets.

If you are driving an older car and you choose liability with not comprehensive coverage you will save money, because collision and comprehensive is expensive.

You can put a higher deductible to reduce your premium costs.

You can have a discount if you have to tickets on your record. ALso if you are a good student and you have 3.0 gpa you can get a good discount.

Take a defensive driving course to get an additional discount.

Make sure that you ask for you insurance agent for any possible additional discounts that you could get. SHop around and compare quotes from each company.

Due to your young age, a sedan may cost you $100 a month to insure. And for a motorcycle you may not be able to get coverage without having an auto policy in your house hold.

But if you can get motorcyle insurance, i have seen yearly premiums of $200 it is cheaper to insure than a car.

To get auto insurance quotes online just enter your zip code in the box above this page.