You insur will go down when you hit 25 so you only get raped another 6 yrs.
It also depends where you live, I am fortunate to live in not one BUT TWO of the highest insur rate areas in the country, S Florida and S Calif. lucky me
It is the price of playing the game though, you have to bite the bulitt just like gas prices. As they say don't hate the playa hate the game.