I am 23, no accidents one ticket for driving on the wrong side of the road. (long story) I live in NY I pay $333.00 a month for my 95 TT. You are young be careful don't get any tickets, get a radar detector.
I say this cause Geico especially insures only safe drivers and you will not have coverage very long with them if you get a few tickets or if you get one really bad one like speeding over 100 mph. Bottom Line is your insurance will sky rocket if you get caught doing anything stupid. (it did for me when I was your age)