Well on short notice I managed to get RAC to insure me for a tiny bit over $1400 a year ($1500 if paid in installments >_>) - 3.5 years driving, 2 speeding tix, no prangs or suspensions etc, 24yo, 25 in Nov. They tell me it'll drop after 26, new rules blah blah. This is with a 10% new car discount and 2.5% for being a std RAC member. Might look at refinancing with them for a nice package deal as the lady on the phone suggested All in all I'm happy for now, although I'd love to get it under a grand like some of you here!