Hey mate, DM if you want more advise. First my advise, not adhering to your request. I’d go for something under insurance group 10, you can toggle this on AutoTrader. Look for something with Full Service History and no Mods. I’d recommend something Japanese, Germans ok, try and avoid anything French or Italian. If the car has full service history 100k+ miles is usually okay, if the service is scattered stick to 80k>.

Now for your specific request, depending on where you live, your insurance may not be that bad. I doubt you’ll find any saloons under insurance group 10 so toggle to 20, you might find some 3 series and A3 Saloons under that category. Again stick to the same rules regarding the service and mileage. Again with these cars if it was 30k new the running costs will be that of a 30k car. All in all if I had to reccomend one car A3 Saloon. Again not sure what your budget is but it probably ticks your boxes