im 18 i pay 235 a month for my s2 insurance i have like 4 speeding tickets 1 careless driving ticket (i saw tokyodrift that night) i saved for like 5 years and paid the car cash when i bought it so i got off of the car payment, i have full cov. with progressive, i used to pay 435 but i put my g/f jetta on my policy and it split the payment down themiddle, multicar disc. i guess, and with the extra 200 somthin i wasnt spending on my insurance anymore i went ahead and saved that and put a turbo on my s2 now. i tink if an 18yrold can do it a 23yr old can 2