I'm with Pemco insurance, and just had an accident removed from my record (after 3 years of safe driving, it goes away). I'm 19 right now, and pay $175 a month ($2100 a year, full coverage). My dad asked about when my rates would drop, and when I turn 21 years old, my rates will drop $998. I'm also thinking about insuring my add-ons, since they're not covered. Talked to someone, and insurance goes up like $40 a year for up to $2000 worth of extras.