<prompt> Human: Hey everyone. I know on a lot of subs if you ask obvious questions or stupid questions, you tend to get sarcastic responses and hate, but Im hoping this is not the case here because I am only 19 and am very very ignorant when it comes to money and insurance. So a few months back I started leasing a brand new 2016 Honda Civic. I put nothing down on it, so my payments are 225 a month. Now, I expected my car insurance to go up, so when it was raised to 200 a month, I wasnt surprised. Heres the real kicker, and Ill be honest; I used to get a good student discount. That discount was for 60 a month. I no longer qualify for that. I know, I need to work harder. In any case, my insurance was supposed to go down to 170, but now its up to 233 a month.That is more than my actual car payments. Obviously, ridiculous. Is this correct? From all the links Ive read, car insurance can be more than a car is worth, but I mean to me this just seems a bit ridiculous. We have State Farm. Is there a better cheaper car insurance company I canshould switch to? Again, Im sorry if any of this comes off as ignorant and noobish, Im only 19 and have no experience with this kind of stuff, so I figured Id ask the prosEDIT: Okay, so Im editing this post because I feel that some of my comments, which are now being met with negative reception, did not convey what I truly meant. The whole point of this post was to see if this is normal for insurance to be this high, and if it is, to find an insurance company that might save me a few bucks a month. I am not struggling financially. I needed to lease this car because I commute to school. I think it would be ignorant to say return the car if you can without truly knowing what my situation is. If you said this with good intentions, I wish you well. But unfortunatly there will always be that vocal minority that has to say you made the wrong choice without knowing the full story. On the bright side, the vast majority of the replies were not like this, and I received some sound advice, and I thank you allAssistant: theres no relationship between insurance and car payments... Insurance is insuring your entire cars value, as well as damage to others property, so there is far more at stake than just the depreciation of your civic.With that said, brand new car, 19 years old, might you have a ticket or 2 on your record as well? perhaps live in a high theft zip code?You can shop around to other carriers, but I wouldnt expect miracles.Human: No tickets, no accidents. Pulled over once ever and just got a verbal warning so as far as I know I have a squeaky clean record. As far where I live, I live in a nice area dont think rich, just think low crime rate lmao. Also, dont know if this helps, but I probably should have stated I live in Jersey  <response>: I live in JerseyNJ is one of the most expensive states for car insurance. 