<prompt> Human: Im a 19 male, about to turn 20. I have no driving experience or history of driving. Ive never got my permit. Im starting the process and steps now of being able to obtain my permit, but every company I look into has quotes that range from 800-1200 car insurance. This seems impossible to come to terms with on paying. I have no family support or help to where I can get added on someone elses plan. I have no idea how to turn this situation into a more affordable one. Assistant: Every 6 months? A year?Human: 800 - 1200annually is not bad to start off at at least in NY. Assistant: 800-1200... is monthly. Im insuring a 40k owned car if that makes an impact on the price.  <response>: The car has the main impact, a more powerful car that has a reputation of being driven by boy racers or being written off by faults will have a higher premium than a smaller car usually driven by old people. 