People are being very over dramatic. If you are a male then it will be higher. The report card, honestly, does not give you much off your insurance. Maybe $20 off a month at the most. So don't worry to much about not getting a discount on insurance because of your grades. Also your insurace wont be threw the roof if your driving a older car. Newer cars, especially a new male driver with a sports car, is going to have much higher rates. I am a 18 yr old female, so I can't completely compare and I don't pay for my insurace but I'm pretty sure it's around $110 to $120 and month. I believe insurance for you (if male) will be around $125 to $130 at the very most a month. Your rates will not be threw the roof, but because you are a young driver they will always be high. Also shop around with inusurance companys and see if which will give you the best rates.