I found out one of my 22-y-o coworkers, with no accident history or the like, pays as much quarterly as I do annually for car insurance.

They’re also 22. Are they also male? I’m on insurance with my mom (a 50 year old woman) and even then when I hit 25 my insurance dropped like 15%. Insurance has always been expensive as hell for men, women don’t get quite as screwed.