Does it have to be consensual ? <| sep |> Jokes and salt aside , I ' d buy that . <| sep |> Right now that factors that are likely causing a higher rate for you are you ' ve had a drivers license for less than 5 years AND you ' re under the age of 21 . Younger drivers are more accident prone . You ' re driving a newer car which requires full coverage . If you total it , SF is going to be writing a fairly big check to take care of the damage compared to an older car . Your credit believe it or not , it affects rates . where you live is also a factor state , city , etc . bigger cityhigher accident rate in most cases . Even though you have a good driving record so far the simple fact of the matter is , is statistically speaking , you ' re higher risk Young driver new carhigher rate . Keep up your good driving history , build your credit and keep having birthdays and rates will improve over time . Also , doing things like taking defensive driving courses and good student discounts help in the meantime . Also , listing a parent as an additional driver may help As a poor college student , a wiser option would have been to get an older car , that only needs liability coverage . If its too late for that talk to a broker . source insurance agent