$130 more in insurance per year could easily be replaced by saving on junk food, beer or entertainment.
Okay. I didn't want to say this but I will.
Personally I would hold off on anything that you have to borrow to buy. I fully realize that this may not sit well with you but I am a firm believer that buying what we can afford... not what payment we can afford, but what we can afford. It goes a very long way for confidence and long term security.
I have had dozens of vehicles and only financed one of them - that was my most recent 7 and only 'cause they offered me a rate that I could not pass up - IIRc it was 0-2%.
There are plenty of vehicles that are sub $30k. When I was your age I drove a sexy Baby Blue 65 2 door dart and a 77 Orange Datsun truck. IIRC the Dart had 250k on it and I paid $300 for it ($1000 or so in today's dollars). The Datsun was a salvage title - literally drove both of them into the ground and was laid in both of them - if it matters!
I know you have plenty more influences than I could ever affect but if you could embrace just a bit of that logic, I guarantee you that you will be richly rewarded.
Carry on.