Right there with you man!! 2018 Charger Scat Pack, 28 years old and $153 a month on insurance through USAA in FL. I test drove the GT and liked it but not nearly as much as the 4 door grocery getter. OP I would have leased a Corolla for the first 3 years and then with no accidents I would have then went for the GT. EcoBoost to me is a pos and not worth any amount of money, a mustang to me needs a v8 and loud exhaust. Good luck!! Still a nice first car.