If this is blown insulation and not foam insulation, then don't worry about it. You just typically tack the wires back and forth a couple of times between the joists. When you open up the ceiling, the insulation falls out, you push it to the sides and stuff some back in and you are done. It's a bit of a chore, but not all that much of a headache to deal with. I work with this on a regular basis for ceilings with attics above it when I cut in speakers or if I add recessed lighting to the space.
There are back boxes you can put in place, but you would often want to know exactly where the speaker is going and what size/make/model. So, maybe not the best option. I'm not sure I would spent money on standard insulation in my ceiling over doing something like double drywall in a specific space to help deaden the sound, and I would definitely avoid in-ceiling speakers as that will cast half the audio straight up into the adjoining floor. If I did use ceiling speakers and really wanted to do my best to deaden sound, I would get specific back boxes designed for sound deadening.
Dynamat, for example, has some flexible, post construction, back boxes which you can use to really help with deadening speaker audio into adjoining floors.