I currently ride my bike to the bus stop and then ride to school on the bus, but lately it has been getting extremely cold, and I have been considering getting a cheap car and driving to the bus stop and going from there. The question I have though is about car insurance. I am 20, not married, and don't have a driver's license (meaning my driving experience would be zero), I do qualify for those good student discounts, but still my quote for a cheap car for 6 months of the minimum insurance is $940 ($240/mo). That, in my opinion, is an outrageous rip off, so I have been considering not getting insurance at all, I am going to look up what the fee is for being caught w/o insurance just to see what would happen were I caught. My situation, more specifically is the following. I would be driving 4 days a week, less than 3 miles a day. I would be essentially driving for less than 10 minutes a day. Which equates to 10min * (~) 18days/month = 180mins/month = 3hrs a month of actual driving time, which will cost $240!!! I am not sure if I am missing something here, but to me that seems like a total rip off (maybe it is because I don't work). Is this really the scenario? Any advice? If insurance is really that much, and you were in my situation, would you purchase insurance at all?