For most companies, you would have to be on your parents or guardians policy because you are under the age of 18. If your parents have home insurance with the company your quote will be less, also if they have good credit your quote will be less. Obviously, tickets or accidents will raise the quote. With a perfect driving record on your parents' policy (multi car discount, too) about $600 a year. Without your parents if you find a company that will help you, the quote will be about $3000.00.