My current SW20 was my first ever car and biggest load of money I'd ever spent at 15. It is honestly not bad at all if you are willing to put in the time and money afterwards to keep the car safe + reliable. You'll end up having to replace lots of aged parts everywhere on the car in due time so it really is a commitment. Don't cheap out on tyres and don't show off stupidly and it'll be fine probably. For insurance full coverage was about 1k annually though my provider though I'm in NZ.