I was in the same situation...dying for a 3kgt since I was 15 and saw my first. Finally at 20 I reached a financial situation where I could buy one. With Full coverage on my red vr4 in new york through Progressive its around 3,900 a year, and I have a clean driving record and took defensive driving. I plan to do some shopping around in the near future. However without the turbos, I'd expect your insurance to be significantly cheaper...good luck, you'll love the car!