What one person considers to be affordable might be terribly expensive for someone else.  That is just a matter of life.  And the same holds true for car insurance rates.  My teenage son works a job after school to help pay for his car insurance, and his share of the payment is a large portion of his paycheck.  Now naturally for me, it is a small share, but of course I am older and make more money than he does.  I honestly do not know how I would get by if I were living on minimum wage or working part time somewhere.  Just step back and think about it for a minute.  Not only do you have to feed yourself, but you have to put gas in your car, and pay the insurance bill.  There would not be much left at the end of the day to have any fun with.