<p>Call your family insurance agent to get the cost info. We’re all guessing about $$. I’ve known kids in NJ who have had to pay $5K a year for their insurance. They were boys, living in densely populated areas, & the cars were expensive, so that jacked up costs. Yours may be in the $500 range, but why guess when your agent knows the actual dollar cost? Then check your state motor vehicle website to make sure you don’t need professional driving instruction. As Violadad states, your brother may not be eligible to even bring you in for the road test if he hasn’t had has his license long enough. Also, you may not be able to take the exam in your family vehicle if there is no emergency brake in between the front seats. No use wasting time standing in a long line if you don’t have the preparation needed.</p>