It comes down to the demographic who will be driving it. A large majority of SRT-4 owners are young smacked asses living their life "a 1/4 mile at a time", and giving everyone in earshot a sample of their blow-off valve sound.

PS USAA rocks- that's who insures our 3 cars.
PPS My insurance went up when I traded my Honda S2000 for an H3 Hummer.