Its really annoying how it varies state by state. When i was getting quotes for the XR6T i phoned around several places. A few months back i was thinking about a WRX and being 25 they wanted $5,500 for insurance a year. Few calls around for the XR6T, AAMI wouldnt insure me. NRMA told me $2700, Ford Insure told me $2300 (which i finally went with) plus got a discount on the Ford insure with City Ford's bonus program 10% off. I thought I would try some sports car brokers as well. Just Cars I telephoned. The guy on the other end asked me age, how many years driving blah blah. Put me on hold and came back and told me $4500. I said to him you have to be kidding NRMA quoted me half of that. He said thats our price. Basically I asked NRMA why the premium was so expensive in NSW then any other state, I remember reading somewhere that someone had been quoted $1400 or so in Melbourne and another guy had been quoted $650 in remote NSW. Basically NRMA said due to Sydney having more people, more cars on the road, higher theft etc, this is why the premium is the way it is. I guess thats why we see alot of hire cars registered in Victoria and insured there as well.