I am 17 years old and drive a SVT. The insurence for the focus is the same for each the SVT and normal ZX5, at least for me. I was told that the insurence is the same because they had not yet made a difference between the SVT and the regular ZX5. The insurence increase will start on the 2004 model. I live in Michigan, though, and dont know how this varies per state or insurence provider. Also I have a ZX5 so it could be higher for the ZX3 model, but i dont know for sure. I would suggest you check out the insurence before you buy.