Havent checked the insurance rate for me specifically on a MkIV, but I have on DSMs and MkIIIs, and thats just for Progressive (which isnt what we are going to use)
Right now I'm worried about getting it. Later will come insurance, mods, and maintenence (tires, oil, spark plugs, fuel filter, etc.)
Btw, 5spd = W58 = N/A MkIV

not exactly uber powerful