I've just turned 19, been done for hooning, and pay 660$ a year. (insured through my company) Try Just Cars, SGIO, RAC. Just cars is about 2500$ a year Full payment, SGIO is around 2800$ a year, with montly payments of roughly 240$. Not sure about RAC. ive been through all of this crap, it's not easy and it costs ALOT, but if you're willing to have a great car at your (our) age, you gotta pay for it Good luck