The only reason I don't own a Hellcat is the initial purchase price. As far as insurance goes, I got a quote through our insurance last year (I was 22 at the time) and insurance was about the same as my 02 4x4 cummins! These cars have EXCELLENT crash ratings and that's about all the insurance company cares about. A car is only worth so much but an injured or killed person can result in big lawsuits.