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The picture is even grimmer for a young person buying their own policy: A standalone full-coverage policy is $7,696 a year for an 18-year-old male, the youngest age you can purchase car insurance.

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Young drivers are considered a high-risk customer by car insurers and they therefore pay the highest premiums of all age groups. In addition, if you're under 25 and you drive your parents' car, it ...

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