My second year driving at 18/19 was also a 2.0D Volvo V50 – cheap as chips to insure (certainly when compared to the normal polo, corsa, saxo, fiesta, golf) I’m sure things have changed a bit now. As said previously, there are plenty of other factors; postcode, occupation, car storage at night/daytime, voluntary excess (I’ve found more isn’t always best, so check), no additional drivers etc.