I don't pay any more for my JDM than I would for a UK car. When I was trawling the web a few months ago, I typed in both versions for quotes and was surprised at how similar they were. Some companies just won't quote for an import, however, and a few seemed unable to distinguish between them in their model lists. Overall, I wouldn't let insurance concerns put you off.
Mine is a standard model (not an S or ST) and it does not have a height adjustable seat, though I'm a shortarse too and I find it ok.
The tiptronic gearbox is very smooth and changes are blisteringly fast. I love it. The car is a 2003 model and I've had it for 18 months, mileage just over 30,000 miles - so far so good!