Take a look at the Enstrom 480B. A brand new one loaded with options is about twice the price of an R44. This is a more realistic candidate when examining the tradeoffs of piston vs turbine. In some ways it resembles a mini Squirrel, with similar external shape and interior cabin layout. Its easy to fly, has a superb safety record, has relatively few life limited components, and doesnt have the airframe life limits of a Robinson. Insurance costs are mostly driven by insured hull value. In the U.S. currently, the hull premium is typically in the 4% to 6% of insured value range, depending on experience and make/model. Enstrom run an insurance program in the U.S. at the low end of this range. Liability premiums are a small fraction of the hull premium.