Rates are based on what kind of car you drive and what coverages you have and how many years you have your drivers license. You may want to post that information for more help. If you need or have collision coverage, that costs a lot. You may take a higher deductible to lower your premiums and ask about all the discounts they offer like multi-car discount, multi-line discount, good driver discount, loyalty discount, good student discount, ect. And, it is usually cheaper to go on your parents auto insurance policy to get the most discounts.