Insurance will be cheaper on the tc but out of the box the honda will rip on the tc with ease. If you apply some cash, say around $4,000 in mods to the tc, it will STOMP the si and be the same price as the si. How do I know? I own a tc that can eats si's at the track right now with ease. On average I run a full second faster in the quarter on 18" wheels and a 1/2 - 3/4 tank of gas hahaha. Also the tc is much more of a luxury ride, ride in one, compare features. The tc is a test bed for toyota for items to be put into higher end toyota and lexus models. The glass roof alone was just released as an option on a lexus for $5000 *LOL* Things like full auto windows all the way around, side and knee airbags, proven engine and ****** "same as new 07 model camry 4 bangers, again the tc engine was a test bed for the new 2az design and they now just released it in the new camry..." Great looks and tons of aftermarket jumping up all over the place. Also the TC DOES HOLD VALUE BETTER THAN THE SI WITH EASE! *LOL* look up the blue book on a tc for 2004 or 2005, I think you will be shocked to find the 2005 right at the same price as new and the 2004 just bairly under what it cost brand new!