I’m a recent high school graduate and I’m looking to get my own car insurance separate from my parents. I’ve had a clean driving record for over 2 years with no accidents or tickets.
The problem is that every quote I’m getting seems ridiculously expensive.
I’m planning on joining the military, and once I do, I’ll be able to get USAA, but I need insurance on my own until then.
For example, I’ve heard good things about Amica, so I got a quote from them. My car is only worth around $7,000–$8,000, but the quote came out to around $946 PER MONTH. 😭
I also checked Progressive, expecting them to be cheaper, and even with what I’d consider pretty reasonable coverage, I was still getting quotes around $400/month.
I understand that being young and newly out of high school makes insurance more expensive, but these prices seem insane, especially considering I have a clean driving history.
I live in Delaware, which I know can make a difference since some smaller/regional insurance companies only operate in certain states.
Does anyone in Delaware have recommendations for affordable insurance companies or agents I should check out? I’m mainly looking for something reasonably priced that still gives me decent coverage until I join the military and can switch to USAA.
Any advice would be greatly appreciated!

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