Couple of years ago I called all the the usual insurance companies here in WA (RAC, WQBE, SGIO, banks etc). Only RAC were going to insure me. At the time I was 21 and had a perfect record since getting my license. The quote I got was around $2100/year, but at the time the XR6T I was looking at was $35000. .....hence I bought a Fairmont instead. But there is always light at the end of tunnel, 11 months till I turn 25