Honesty I don't think it will be that bad for you. Technically, my father is insured under my ride, as he has a perfect record- hence it is mega dirt cheap. I'm insured under an old POS truck, which isn't much for being 22 with a "minor" DUI on the record- but I don't believe the ol' insurance company got wind of it.
driving record is pretty good too. a few tickets over the years, minor accident many years ago, but i think i only have one speeding ticket on the record now. but, since im paying a loan for the car, the bank requires me to have maximum insurance on the car.
ive also had an accident during this policy period that ended up costing insurance $12,000. so, when the new one comes out for me in december, that rate will be going up.
I'm 20, about to be 21, I pay 187 full coverage. Just me on the plan. I had to get 6 months of liability under my belt before I could get full co verage for less than like 400. Before my 6 month period I was uninsured for like 10 months, ya I know, really bad of me. I drive a GT. I had an accident when I first got my license but it was over 3 years ago