Hey there Kaine welcome, I'm 22 and expecting delivery this week (touch wood), I'm an under 25 driver (obviously) and will be insured by the RACV, by doing the finance through them, I get a discount on insurance which works out to about $1200 rating 2. Their finance also gives the best on repayments, (I did my homework) for my situation anyway. Shop around for finance and also insurance, take your time, cause you can save yourself a lot of money. Happy hunting!