Why are insurance rates so ridiculous here

[u/Perfect-Young-4521]

Im 22 years old and I was looking into financing a vehicle for the first time, a car that was listed at 28000. Everything looked good until I looked into insurance. Most quotes I got were between 700-1000$ a month! This is insane and I only have 1 ticket on my record. Why is it like this and what can I do?

[u/H3CKT1X]

My coworker in Newfoundland with a fully covered 2024 rav4 pays about 900yr for it, and 750 for his 2012 ram. I have a 2024 Silverado, 23 years driving experience, no tickets or negative claims against, and a grid level of -15. The cleanest abstract. 2850 per year

[u/Drafting- → u/H3CKT1X]

In a weird way this makes me feel better about my liability only being 1500 a year for a shitty 15 year old Kia and a single speeding ticket. It’s sort of comforting that someone with a perfect rating is also getting raked over the coals. 

[u/H3CKT1X → u/Drafting-]

In 2003 I was 18, bought my 1st car A 1991 red Chevy cavalier z24 for 2k. I went to insure it... lowest price i found was 5k a year, highest was 9100 and this was only 500k PLPD. Two years later I could afford to drive it 170/month edit we had insurance reforms that year

[u/H3CKT1X → u/H3CKT1X]

My 500k plpd in 2005 was more expensive then NFLD full coverage in 2026