Hey it gets better with age, They like to nail us guys for insurance until were into are twenty's before it drops down. It dropped again when I got married at 26. My first car when I was 16 was insured under my parents policy. Which made it cheaper, But, If I would of screwed up!, They would of made take my own policy out on my car. The biggest thing to get your rates down is try not to get busted by the cops, Or accidents/DUI's, They will raise your rates even more.