What is the cheapest car insurance for me on my own plan???

The ticket will hurt you no doubt about it. Next time try to get the judge to offer you to defer the ticket or take a driving cl (great on insurance) or any other option to get the ticket off your record. You are young with tickets so you can expect to pay a lot for insurance. On top of this your lender probably requires you to carry full coverage insurance as well. The best way for you to save money on auto insurance is to shop around. We would need way to much information to provide you any kind of accurate estimate. Factors that keep us from giving you a good estimate would be, how long have you been insured. credit history, location of the vehicle, coverage needed and etc. So get some quotes and seek discounts such as student discounts or safety equipment discounts to lower your rates. Call as many agents as you can and get quotes online to save time and money.