<prompt> Human: Long story short, Im a 20 year old college student and am ready to finally get my license. Since I live at home, my parents let me borrow one of their cars while Im there. The rest of the time, Zipcar on campus and public transit will suffice...Im not planning on buying a car until after college. The added expense and hassle just isnt worth it, especially because parking on campus is 1000 a semester. Plus, Im planning on studying abroad in during my junior year next year and I dont want to buy a car just to have it sit around... All of this means that in order to get insurance, Ill need to be added to my parents insurance plan. However, my dad called around today to see what it would cost to add me to their plan, and our insurance company wants about 300 extra a month to add me to their plan. I know 16 year olds who have rates lower than that... I was under the impression that if I got my license at a later age it would be cheaper.. :Considering Ive never had my license, I obviously have no traffic violations, accidents or speeding tickets. I think the biggest issue is that my parents lease both of their cars. It also doesnt help that my dad has a luxurysports car. Not that I would be touching his car -- Ill only be allowed to borrow my moms 2014 Honda. Im obviously going to shop around, but the fact that the first quote I got back was 4800 a year is terrifying. their plan is 1800 a year without me on it, so a 3000 increase from adding me I could get a 1500 beater car to get me through college and use that to get my own insurance plan.. But Id like to avoid the hassle of a car until I graduate. This was with Nationwide... Ive heard that State Farm has better rates for young drivers so Im trying them next.. Are rates like this normal? I live in South Carolina... Because so far the cost of getting my license is extremely disheartening..  <response>: The problem is your parents have nice cars that you would have access to. They will require full coverage on them for you.IF you need a car, get a cheap one and than buy your own liability insurance only policy but not on your parents insurance. 