Desperate - 2 Totaled Cars in 2 years - HELP!

I am in quite the bind. I am 26 yr old with bad driving record. In June 2023, I was out of state on a road trip and totaled my car in a single vehicle crash.

I was with Mercury insurance at the time. when I got my next car in September 2023, I switched over to progressive underneath my mom’s policy. My insurance was $370.

I just got hit in December 2024 and my car has been totaled, and they deemed it my fault. This particular accident also involved bodily injury to the other car involved. They received my entire policy limit of 25,000.

I am currently still insured under progressive, and I just called to get a quote on a potential next vehicle that I would finance. The quote is reasonable, but it’s because it’s not showing my accident for some reason. The woman said that the quote will definitely change in June when my policy renews, and it shows my recent accident.

SO……I’m afraid I will be unable to afford both my financed car and adjusted insurance. Do you guys have any advice, or experience with something similar? About how much could I expect it to go up???? Is it possible that I might not even get insured once it renews, therefore shouldn’t even finance a vehicle?

PS please don’t scold me about driving. I have been very very unlucky and yes, I have learned from the mistakes that I did take part in.

BTW** I AM IN SOUTHERN CALIFORNIA