$150 a month so, that's $1800 a year. Not too bad. The year of the vehicle (or the vehicle at all for that matter) doesn't really have an affect on anything. I switched from a '93 Chevy to an '01 F250 and my insuance went up $85 a year. All they care about is the fact that you are 16 and just learning how to drive. Here in the wonderful state of Massachusetts I paid $2500 a year until I turned 19 and a half. That was hard to pay when I was 16 just learning to drive. I've never had a ticket or an accident. After 3 years of good driving, I just got a reduction to $1370 a year. Just under a 50% reduction. I'll take it. I think you are doing pretty well. Keep you record clean and you'll be doing better.