How many points was the ticket? What kind of coverage will you be getting? You think you can't afford the insurance but you can afford the purchase of the car? Are you a student? GTP vs Sedan? Rent home vs own. What insurance do you have for auto insurance now and how long have you had it?
Try this estimator
. Run the calculator to see what you get.
Let me just say being 20 rather than 25 makes about $1000 difference per year. Being a student could save you $300-$400 a year. Insurance for you is probably about $2300 or above per 6 months (If no multi car discount or student). If you are a student and your parents go with a certain company you may qualify for a multi car discount.