Insurance for youngsters is a joke - I feel for you I really do.
My opinion is that people who mess up should be made to pay. Why should you have to pay for someone elses mistakes? Ok, you're young and a higher risk, but not all kids drive badly. I know plenty of blokes in their 40's that have been banned for drink driving, speeding at over 100 etc - they shouldn't be trusted with a moped and they don't pay as much as I do.
I'm 32 and pay about £500 fully comp for a 350bhp Audi S4. Some days I drive it like I stole it but because of my age my insurance isn't too bad. It's a real shame youngsters get hammered like they do, it's so unfair.