I've found it's different every year so you really do have to ring all the companies and a couple of brokers every single year. Last year, Axa were the best quote by far for me (early 30s, 4 years no claims discount plus they'd accept my one year named driver experience as well) - they were even cheaper than Hibernian who were already giving me an extra 20% discount for having done their Ignition course. If you check some of the threads already on this topic you'll find links and details for some places to get quotes from.