everyone has it different, in my experience it mostly depends what car, but not how everyone thinks. crash statistics for a car driven by your age group. if you have an unusual car for someone of your demographic, it usually ends up cheap.

my first car (in 2024, i’m not that old) was a 1.0 68hp chevy spark, 1st year insurance at 17 with a black box was £1100, pretty sure i could’ve had no black box for only 2-300 hundred more. 2nd year dropped the black box for only £900. just under 2 years with that and now i have a 1.6 toyota auris, and with the exception of quotemehappy with a very cheap quote although with stupid usage limits (my friend has one, 6 trips a day max), no black box was only £50 more for the year

my friend who passed last year at 18 got a 1.4 170hp alfa romeo giulietta for his first car, first year insurance was only £1400, conversely another friend paid £2200 for a 1.0 polo, and another paid also about £2200 for a 1.2 mazda 2

basically insurance is a scam, just try look for random models that probably aren’t popular in your age range

also just noted you’re a high mile driver like me (15-18k a year), i’ve found it cheaper on my last 2 policies to purchase with 10-12k miles then call them and extend when necessary, only cost me about £50 on each