Just get a gutless little city car, the insurance will be affordable and you'll be able to go wherever you like, whenever you like, for the first time in your life, so you'll love it.
I'd suggest you look for the least-fashionable Daihatsu you can find. Very reliable and cheap to run, totally gutless, very cheap to insure because nobody your age will ever want one. The money you save can go towards getting a 2L bimmer when you've got a few years' no-claims.