I'm 22 and drive a 2000 Neon and a 85 chevy s-10. I pay like $1600 for both. If you are just turning 18, then your insurance wil go down after 3 years. Then it will go down again when you turn 25 and when you get married. Insurance depends are type of car more than anything else. My fiance drive a 96 Nissan Sentra and she has been driving for almost 5 years and pay more than I do.