It will be high. You are young and you're cars only 5 years old. You will be making payments so it will also be high because the car is still the car sellers.
If I was you, 16 years old, I'd get me an older car, at least 10 years old and under $8k. I'd even get me an early 90s car and pay it off. Subaru wrx, eclipse awd, talon awd, mustang, dodge cummins, Chevy short wides. Maybe I just like to work on and fix them up.