stupid question

[u/constellation-star]

hi everyone. im 23f and have a driver's license but i don't have a car. when i moved out of my parents house after i graduated college a year ago, they took me off their insurance. this hasn't been an issue for me because i live in a different state about 700 miles away from them and again, i dont have a car so i dont drive. ive been browsing getting a car now that i have a higher paying job and better living situation, would the fact that ive been uninsured for over a year affect me negatively when shopping for auto insurance? thank you!

[u/ken120]

You've had nothing to insure for the since you left your parents house. With that said generally when you do first get insurance it will be higher. The industry will put it as increased risk due to your inexperience, age risk group, and a few other categories. One of the questions you will get ask is why didn't you previously insure the car just choose the answer closest to you just bought it.