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SSIs would be the issue. If you install the stock HEs w/ cat and the rest of the engine is "stock" you should pass the semi-annual (every two years) smog check.
As for insurance, CA companies don't really inspect or care about roll bars/cages, seats or the rest - as long as it passes the sniffer test, you're good to go.
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Sergio
The GT Lid Whisperer
PCA 42yrs - National DE Instructor / Ex-RGruppe #197
'19 718 Cayman S (9th Porsche/1st with PDK)
'14 Subaru Forester XT (Porsche support vehicle)
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