Sorry buddy to come across as an old man who tries to act all mighty telling you what to do here but DON'T get the car if you can't afford the insurance, period!
As much as you may think you are ready for a turbo car, at your age, I'm sorry to say, you're not... That's by no means a judgment of your character (ie, hoon) but believe me if you either by accident or deliberately get the ass end of one of these cars out, especially on boost, things can get messy VERY quickly.
This is why, if you must have a turbo performance car at this age, get comprehensive insurance, there would be nothing worse than you literally just pissing away $10k+ for nothing
Anyway, that's my 2c, take it or leave it