<prompt> Human: Ok so Im 17 years old and I live in NYC and got my license in January 17. I got it for the purpose of driving around town and to workPublic transportation around my area is terrible. I currently drive my moms 2003 Toyota Sienna. As a driver, I know about how much of a risk it is for someone my age to be driving so I drive like a grandma and I make sure not to emulate the idiots who think that just because they have their permit, they can drive anyhow.When I turn 18 by the end of this year, I plan to buy a used 3000-5000 car so I can make life easier for my mom and possibly work as a UberLyft driver or a pizza delivery boy. Im not trying to get insurance at the moment but Im applying to see how much it would cost if I was 18. However, as Im searching up quotes for possible vehicles, I noticed that Im always getting quoted between 400-1000. Not every 6 months, but monthly. Now Im not planning on getting a sports car or a convertible. Im just trying to get something simple like a 2003 Honda CR-V, 2003 Nissan Maxima, or a 2001 Lexus ES300. I also have a clean record: no tickets or accidents. Not only did I take a drivers ed course, but I also took a defensive drivers course. I dont know if that would have that much of an impact. Any advice? should I try asking for insurance from those people that offer cheap insurance on craigslistsofferup?Here is what each insurance company is charging me: Progressive - 1031month for every car I quoted. Geico - 405 for the Lexus, 411 for the Nissan, and 439 for the Honda. State farm - 1140month for every car I quoted. Allstate tells me to call them  <response>: 17 years old - Strike 1 NYC - Strike 2 Newly Licensed - Strike 3You are an unknown entity at this point to the insurance companies because you have no history. Its like your first credit card only being for 300. They have no way to judge you personally, so, they have to rely solely on statistics. And relying solely on statistics, you are a really shitty investment for the insurance company. As for being a pizza delivery driver, understand that personal auto insurance will not cover you for that. And for you to get a commercial auto policy for something like Pizza delivery at your ageexperience will probably cost you twice what the personal will. 