to add to that insurance doesnt only apply to ur age, but also to ur location, where u park it, how popular it is amongst thieves n how prone to accidents it is too (how powerful etc etc) so we indeed r lucky to hav an edge over the rest wit respect to insurance but the cost of insurance stil dsnt add up to the tax we pay here...the added few $1000 for insurance is still nothing compared to the added $10000 in tax
btw u cant even rent a car till ur 23 in uk