18 years old with a car with roughly 320 horsepower stock and 6 tickets and 2 wrecks, only 1 was my fault, though. It's only $180 under my parent's policy, but on my own it goes way up. Can't stay on their policy when I move, obviously.How is your insurance that horrible?? Eesh, at least it will be a welcome change when you get a new car!