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I got my license when I was 22 and started driving when I got this car at 23. Insurance was $380-420 a month from Progressive. Turned 25 recently, switched to Esurance and now I'm down to $220. Still sucks but not as insane.
No matter what car, color, or deductible you choose, your rates will suck at that age. Insurance companies are more worried about your inexperience causing property or bodily damage to the other party.
I don't remember even being asked about car color when doing online quotes. I also compared quotes for this car, Jeep Wrangler, Audi TT, and Toyota Camry; guess what, the premium was all around the same.
Being put on your parent's insurance will raise their premium but should still be cheaper than two separate policies. Ask them for their insurance info, log into their insurance account online and run a policy change quote for adding a new car and driver.
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