ok well, my first year, day i got my licence got my car insured for 3300 a year non turbo, they tol me 50 bucks extra a year for a turbo. Im now just turned 18 and my insurance has gone down to 2276 as a rating 4 and again 50 dollars extra if i turbo it. Go the turbo if insurance is ur only concern.
Edit: just thought id mention i also have a shitload of listed mods just for eg, big stereo, guages 17" chromies, full kit, cf bonnet, after market steering wheel etc etc...