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If you are 21 or younger, and pay for your own car insurance. If you have not had any accidents, or ticket violations applied to your driver's license....How much did your monthly car insurance decrease each year? What was your monthly payment from 16-21 years of age if you did NOT drive a sports car? Please list the state you reside in, and whether you live in the city or suburbs. Thanks. Al, that's not correct information. My monthly insurance has decreased every year. I'm just curious how mine compares with others to determine if it's substantial or not.