Hi Neal,

Of the cars you've mentioned, I'm going to weld my sensible hat to my head and recommend the Kia cee'd as it's the most affordable, the most reliable and the most practical of the cars you've named. However, you're going to find that, at 20 years of age, your limiting factor is going to be insurance. I'd get friendly with a good broker to suss out your options before you set your heart on a specific car. You may have to downgrade to a 1.0-litre engine to have a hope of getting anything like affordable cover.