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The best advice is to call a couple of Independent Insurance Agencies and speak with them about your situation and get quotes. Most will do their best to provide you with the best rates available. You have a couple of factors that are against you. First, as a new driver you have no experience. Second, you have not had insurance and do not currently have insurance. Most companies give a very nice discount for having continuous insurance coverage for preceding 6 or 12 months. The good news is that after you have your first renewal they will give you a renewal discount which is usually the same as the transfer discount would have been. This means your insurance will go down after you've had it for a little while. As a matter of full disclosure, I own and operate a small Independent Insurance Agency and have for the part 22 years. Before that I worked as an agent for a direct writer insurance company.

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Q: How do you get the lowest car insurance rates as a new driver?
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