I'm 26 and I've never insured in NY before. My insurance in MA was high because I had some incidents that go back almost 3 years which is how long you have to go flawless in order for them to put you back to the starting step. Most likely I would register the car in my 29 yo girlfriends name. She has never had any tickets or anything. There is also the possibility that I can register it under her parents address in Albany which should be a bit cheaper
