im 21, 5 years no-claims and 3 points with car stored in a locked garage and i pay £980 third party a year on a '95 wrx import. uk spec's are alot cheaper to insure. when i was looking for a wrx then i could get fully comp for just less that that.
as for the young drivers thing, i agree and dissagree. ive been driving cars since i was 13 on my mates farm and bikes since then to, i do admit that i did have a slight ding with my first car and never had one again. ive done the skid car course, an introduction to advanced driving and a defensive driver training and doing a course with the road traffic bikers in 2 weeks time for the bike. it has improved my driving a great deal and im glad i did it now.
i think what im trying to say is that no matter if your driving a 1.1 metro or a wrx, accidents do happen if your not carefull, to anyone, young or old. statistics do prove that young drivers have more accidents but with the proper training, can learn to be a good, safe and carefull driver. but not alot of people can have the oppertunity that ive had to learn, old bangers and driving round fields and learning to control cars. there is only so much you can learn from books and instructors (i.e driving test) but in reality you only start learning after that.