This is of course dependent on insurance being available for me on a 13 plate in 2014/15 as I'll still be under 28.
I've said this about 50 times already but I got my car when I was 21, these are the details I used and the prices I paid;
May 2011 £1250 - 21 years old, 0NCB, £1400 excess, GU21 post code, 8000 miles, 49 year old women (Mum) and 28 year old women (GF) as named drivers.
May 2012 £625 - 22 years old, 1NCB, £900 excess, GU24 post code, 8000 miles, 29 year old women (GF) as named driver.
Car is a 2007 987 Boxster S (3.4L - 300bhp~). Never made any insurance claims, driving since I was 17, 0 points.
First year I was with Elephant, this year is an Admiral multicar policy (although Admiral were still the cheapest without multicar and came in at about £745.
Although my post code helps a lot I'm sure I was still able to insure my car at 21 with 0 no claims bonus for £1250.
To put things into perspective insurance should the least of your worries at your age and I have the following budgeted as a worst case senario for the cars 2 year anniversary in May;
Insurance - £750
Tax - £500
Service - £800
Tyres - £1200
Brakes - £1000
111 Point Check - £250
Years Warranty £1000
So over £5000. Mind you, apart from fuel, insurance and tax I've not had to spend a penny since I bought my car.
Funny enough I'm actually just gonna hang onto my car until I can get insured sensibly on a Ford Mustang.