Ah well that's down to individual income and I guess where you live. I pay very little for my insurance, since I have 20+ years with zero accidents for instance.
idk how it works where you live, but where I am just having a license gets your merits yearly. We have a merit/demerit system, so you get one merit a year for each clean driving year. Goes up to 20. Rates go down as merits go up.