I am 43 with a spotless driving record so insurance isn't going to be a huge deal. It's not like the JLUR's get stellar gas mileage anyway and if your too worried about that (like i see some people complaining about when they buy a Jeep) - you are in the wrong vehicle (if that is a big priority). It's probably going to get in the neighborhood of what my power wagon got - and I am fine with that - only thing i'd wish i'd have is a higher capacity tank. IMO the 3.6 is a great engine and I NEVER personally had any issue with them (not that they don't have some common problems/faults ... i.e. oil cooler being the main one to think of). I just remember driving my power wagon and thinking to myself ... man this would be awesome in a Jeep.