I am 27. I have the cheaper insurance, but I don't have a car (gas is 7 dollars a gallon in the UK!). I don't drink alcohol. Voting isn't all the fun it's cracked up to be, neither is gambling! (I don't know shit about horses, there you go).
Clubbing is though . As is having a real job after grad school and earning more than 6k dollars a year for a change...