Why am I being charged so much for liability insurance as a 29-year-old driver?

I just got my driver's license at age 29 and I've never had a car before. The quotes I'm getting for liability car insurance are ridiculous and mostly unaffordable. What's the issue here?

Answer provided by
Carol Chung
Answered on Apr 12, 2021
The issue appears to be your lack of prior car insurance. Having previous car insurance indicates to carriers that you can maintain a policy and that you have a driving history.
The fact that you’re newly licensed without prior insurance means that you’re perceived as an inexperienced driver who’s more risky to insure. This is why you’re being quoted high rates for basic liability coverage.
Fortunately, your rates will likely start to drop once you’ve had insurance for at least six months.

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