This makes me feel a little bit better. I’m in Michigan as well and also currently drive a Focus ST. I really haven’t thought too much about it because like you, it won’t make or break the sale.I don't know that this question makes too much sense. Every state has their own insurance regulations. I can nearly guarantee that my insurance is more than most. Because... Michigan.
I figured I'd quote a policy change with my insurer and I just used the Wrangler as a fill-in. My insurance rates actually goes down for a Wrangler vs my Focus ST. I don't know what the reality will be, but it's not going to be enough to be a make-or-break factor for me.
As far as GAP insurance. It only makes sense if you expect to be upside down in your loan. I shouldn't end up there, so, no.