Hi m8, I have just got a Lexus is200 two days ago. I am 21 too and I pay £1200 with elephant for insurance fully comp (never had policy in my own name before). Petrol is ok cost about 90 quid to fill the tank from empty around 30mpg. Comfy as hell I got the automatic so I can sit back while it drives itself, got some real kick to it too.