The most reliable information on insurance costs for these cars can be obtained by phoning your insurance company and asking them the rates if you were to buy each of these particular vehicles. They should be happy to provide you with that information, since you and your family are already their clients. That way; the rates will be specific to your geographical area, your family's driving history, and your insurance company's rating system. Nobody here could give you such good information about insurance.
Regarding the choice of cars you listed; these cars are surprisingly similar in price and intended use. But I expect some of them will fit your personality, image, and style far better than others. Only you can determine the best actual fit, but I can mention some of the significant differences.
As someone who regularly answers questions on this site; coming from a lifelong career in the automotive industry, I will say that, despite the marketing hype, I expect the Hyundai will be significantly more prone to problems during its lifetime than either of the Hondas. I will also add that turbocharged engines have been substantially more vulnerable to wear, and correspondingly more demanding about oil quality and consistency of maintenance than non turbo engines. And when a turbocharger goes out (which they sometimes do) they are very expensive to repair or replace. It has also been my experience that a long warranty cannot make up for a basically troublesome vehicle. If it breaks; it will end up spending time in the shop, regardless of whether it is covered by warranty or not. And the ongoing frustration and loss of use of a problematic vehicle can quickly override whatever theoretical advantages it may have.
Regarding the two Hondas; one of them is a four door, and the other is a coupe. The Civic Si sedan is basically an economy sedan with some sporty styling touches. The Accord Coupe is a fastback coupe; which is inherently sleek and sporty without needing any cosmetic enhancements. The Accord also has more torque than the Civic, while getting better gas mileage at the same time. When I was your age, we used to think of four door cars as "daddy's wheels." Since you are intending to get a manual transmission; my question is "why get a four door car?"
I would think that the Cobalt SS and Mazdaspeed 3 are not race oriented enough to warrant a significantly higher insurance premium; but I am not as knowledgable as your insurance agent about that issue.
And, if you don't mind an additional possibility; I'd suggest also considering the Scion Tc coupe. The base model Scion Tc is thousands of dollars less than the Hondas. And they're even coming out with a special TRD edition this year; which looks very cool. Plus Toyota quality (Toyota makes the Scion) cannot be beaten. Even with the add on package; this car is still comparable to the Hondas in price. http://www.scionlife.com/forums/viewtopi...
I also want to mention that only the Accord and the Scion are designed to run on regular gas. The link below is a detailed comparison of these four vehicles.
I hope you find this information useful.
Source: http://www.edmunds.com/apps/nvc/edmunds/...
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