I also started with an LS... then I found a type R for sale so I traded it in. The amount the insurance increases is almost none... Atleast in Pennsylvania. My insurance was 1940 will full coverage and full tort with the LS, 1998 will the same coverage, full tort, for a newer Typer R. I guess it all depends where you live.

But you should just get an LS, GS, or RS You are young, and an inexperienced driver. If you get a Type R, you very well may wreck it. Just give yourself some time with an LS or something, then trade it in later on.