I was 22 when I bought my 94 GSR, full coverage with $500 deductable was below $100 a month through State Farm, now that I'm 25 it dropped to $70. Just shop around, I found insurance companies wanting $220 a month before I found State Farm. And yes I keep a clean driving record (invest in a radar detector, mine has paid for itself several times over ). Once you buy it you will never regret it.