i got a 1.6 focus ebony 4 my first car at 20. my insurance was £1700 after searching for ages. (checked insurance after i bought the car In the second year its dropped to £550 with 18" alloys declaired which is pretty good i guess. dont go for the 1.4 as i drove my dads for a few months when i first passed and it dont move and is not very good with pettie. the 1.6 personally i think is better. just get a few quotes before you buy 1 otherwise u might have to pay a silly prices like me