Right well, i am a similar age to you, i was in the EXACT SAME circumstances insurance wise, (but im a year younger)
i looked at 172s and 182s, each was around 2900 to 3000 a year
i looked at mr2 turbos they were 2900
i looked at basically everyother hot hatch going,
in the end i got a 306 gti-6. but that was 2100 bones and the insurance was 700 more for the 9 months remaining on my policy, which works out to be 1800 ish for the year
i.e the point of all this is if you look at a clio and you can insure it dont discount a mr2, i found mr2's cheaper than clio sports, infact i found everything cheaper than clio sports, inculding afaik a focus rs mk1