Bell will be your cheapest. (Same company as Admiral.) You can add upto 3 named drivers, (do this it will drop the price, put parents / family friends on.) I have seached every year from when i was 22 to now being 25. Always cheapest 22-£900 ish down to 25-£650ish always fully comp. Note they try and charge you more each year so you need to go online to get a new quote to get the best price, (do this by changing your DOB by a day or two as website is for new customers only.)