DK, this forum has a lot of non-U.S. brand car fans, but to answer your question the insurance to cover muscle cars for someone around your age can be very expensive. Getting a Civic and later ricing it up may help with the insurance issue. The fact of the matter is that you can get many of these compacts pretty cheap and they don't cost that much to modify, plus they will generally get better fuel mileage. Also despite what some people think, FWD is way better in snow than RWD and some people do not live in areas where the snow is plowed and can afford only one car so all together when you think about it like this, it makes a lot more sense. In short, its a matter of money, but if money was no object for many of people about your age, then they would probably be happy with a muscle car.