a young guy at work is the same age as you, he had very similar convictions,

driving without a licence, driving whilst banned no insurance. basicly a big list.
he has passed his test 2months ago and is now insured on a mk4 golf 1.4 for £875 tpft,
he was getting quotes of 5k but added his girlfriend as a named driver and it dropped dramaticly for some reason so maybe try adding your partner or falling that your mum