There are about six threads which just repeat as its previous effort drops of the top few pages, this is one.
Premiums reflect the costs of claims plus a bit of trading profit if the co's lucky , distributed proportionate to a persons(based on segment history) likelihood to cost the fund money.
Young drivers have a habit of claiming so get the highest premiums, (would you like to cover the cost of their potential third party claims?).
Female young drivers are likely to pay more now because insurers cant charge more for males so have to split those costs equally.
Best bet for young drivers is one of the telematic schemes which give the driver a chance to prove their driving characteristics are safer than their peer group.
New schemes are coming online all the time.
Other than that I wholeheartedly agree with the comment above, if anyone is capable of getting about under their own steam it should be our young people.
Get them a bike.