i'm 26 and had many different cars/insurances, i think your best bet is to buy and insure a shitbox motor, something like a 1.1 fiesta (even a mini, can be quite fun) keep it for a year then get a focus, for this the insurance is gonna be a low as it can be, in this year you'll also LEARN TO DRIVE, just cause you've past the test doesn't mean your a good driver plus if you do prang this car you won't care. i know it's not ideal to be driving around in a shitter but hey we've all been there mate