The basic story has been done and redone over and over again (Dances with Wolves comes to mind).
Anyway, I just think Avatar had more than special effects. The point of Insurrection revolves around moving 600, non-indigenous people from a planet so that billions can receive medical care. Avatar; kill the indigenous people when they get in your way of mining some sort of fuel-resource. The Na'vi in general were better done as opposed to the 'thanks for saving us with your technology, by the way we hate technology' Ba'ku. Neytiri was also a way better character/love interest then that Ba'ku woman who spoke all her lines in monotone.