I got mine at 23-24 and only with a regular road licence not full.
I paid around 3850 full year.
Insurance is weird, you would expect it to be more but it's done based on crash rates of that type in local regions and payouts.
Most M car owners are a little bit older and a bit more responsible so they help bring your rate down.
After 25 it comes done about 25% in canada and then as you keep going it gets better.
You got a good rate, keep your record clean and don't get cocky. These cars are generally forgiving as long as you are.
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