Why is car insurance so expensive? I pay around $ 400 for 1 car! And I'm almost 20 years old?

The insurance is based on the zip code, your age, previous accidents or tickets and driving experience.

If you have just obtained your driver's license, then you have a high risk, since most young drivers (experienced) have more accidents in the first 3 years.

As a general rule, insurance falls at the age of 25, or (yes) there are no accidents / fines within 3 years.