The problem is that statistically young people between the age of 17 and 25 around about six times more likely to have an accident than people of twice their age. Furthermore these accidents tend to be far worse with a much higher incidence of injury or even death! Hardly surprisingly a lot of insurance companies will not touch anyone under the age of 25 and those that do, charge what they see as a reasonable commercial rate (in other words, several times what you're probably expecting to have to play!).

That is the problem, so here is the solution. You have two show the insurers that you are going to be a reasonable risk before you will get anything like a reasonable quotation. To do this you first of all need to choose a car which is in a low insurance bracket; forget about sports cars or the latest boy racer must-have. By a fairly cheap one, and if it has one or two dents already then so much the better; you will be less inclined to make a claim if you back it into someone's garden wall! If you can persuade an experienced adult driver to be named as a second driver only policy then that could cut your premium substantially; several major insurers like to see that better risk drivers take an interest in the vehicle. When you fill in the insurance proposal form offer to pay the maximum voluntary excess that you can afford; this can bring the quotation down quite sharply. Consider taking a Pass Plus course; this is a government backed initiative under which you take extra lessons which include experience at driving under poor weather conditions, at night, on the motorway, etc and although these cost money (you should usually allow between £150 and £300) some local authorities are prepared to subsidise this with a grant, and you can get substantial discounts from some insurers after successfully passing through all the modules, so you could save more on your insurance policy than the cours has cost you. Finally, drive carefully and safely and resist any temptation to break the traffic laws in any way; a clean record would earn you a substantial no claims discount, a few points on your licence could make it even more expensive to get insurance than it is now!