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Shopping For Auto Insurance

Difficult-To-Insure Vehicles

When most people buy a new car, they look for attractive features and often think about safety. In buying or leasing new cars, consumers may not consider the vehicle’s insurability, but they definitely should. Will the car be easily insurable? How much will auto insurance cost?

The following table lists vehicles which a number of insurers have indicated their unwillingness to insure voluntarily, or their willingness to insure only under certain strict conditions or for certain types of operators. This difficult-to-insure list does not apply to all insurers for every vehicle shown, but generally encompasses data provided by many of the leading writers of private passenger auto insurance in New York State.

For each vehicle shown, there are a significant number of insurers that do not wish to write the particular vehicle, due to unfavorable loss experience, high cost or limited availability of replacement parts, or high theft records.

Only vehicles manufactured over the past ten years or so are listed. An exhaustive list of all cars ever manufactured would not be practical and is beyond the scope of this Guide. As such, the cars shown in this list are intended to be “common usage” vehicles, and readers should take into account that similar models may be produced under different names by the same manufacturer. Exotic, high-priced, and limited edition vehicles, such as Rolls Royce, Excalibur, Bentley or Sterling are not included in this list, due to the fact that very few insurers will underwrite such vehicles due to the high replacement and repair costs associated with these vehicles and the fact that there are relatively few of them on the road.

In general, some companies may also refuse to sell a policy, or have restrictions on providing insurance, for vehicle types with the following general characteristics: vans carrying 12 or more passengers, camper vans, cargo vans, step vans, commercial use vehicles, customized / modified construction, those of exceptionally high value (such as - original cost new over $100,000), flatbed/platform vehicles, golf carts, those with high rollover potential, “limited production” makes and models, “low-speed” vehicles, those used in racing, kit cars, replicas, experimental vehicles, and “Gray market” vehicles (not intended for use in the U.S. and may not meet federal emissions and safety standards).

In addition, some insurers will provide liability coverage for the operators of these vehicles, but not physical damage coverage. Some insurers also indicate that they will write physical damage coverage on these vehicles, but only if the deductible purchased is over a certain amount (e.g., $1,000). Moreover, several insurers will only insure a vehicle that is within a certain age range, such as under ten years old. Insurers are prohibited however, from nonrenewing a liability policy solely on the basis of the age of the vehicle. Other insurers have no finite limitation on the age of vehicles they will consider insuring.

Check with your insurance company, agent or broker about vehicle insurability, and the cost of insurance, before buying or leasing a car. In the event you cannot find coverage for a vehicle in the voluntary market, coverage can be obtained through the Auto Plan. However, the cost will be higher and physical damage coverage through the Auto Plan is limited and is based on the actual cash value of the car up to $50,000.

DIFFICULT-TO-INSURE AUTOMOBILES

MANUFACTURER

MODEL OR CLASS

Acura

Integra GS-R, Legend GS, Legend L, Legend LS, NSX, NSX-T, NSX De Tomaso, SLX

Allard

All Models

Alvis

All Models

AM General

Hummer, HMCO, HMCS

Aston Martin

All Models

Auburn

All Models

Audi

5000, Some Quattro Models, R8, TT

Austin Healy

All Models

Avanti

All Models

Bently

All Models

Berlina

All Models

BMW

CS Series, "L" Series, "M" Series, 21, "Z" Series, Dinan models, Alpina B7

Bricklin

All Models

Bristol

All Models

Bugatti

All Models

Buick

Reatta, Regal GMX, Regal Grand National, Regal GS, Skyhawk Turbo √

Cadillac

Allante, Deville Convertible, Eldorado Models, Fleetwood Limousine

Chevrolet

Berlinetta, Camaro IROC-Z, Camaro RS, Camaro Z-28, Cavalier Z24, Caprice LS, Corvette, El Camino, Impala SS (396/427)( pre-1994), Lumina Z34, Monte Carlo SS, Nova SS (350/396)(pre-1994), Vans (extended & full size)

 

 

Clenet

All Models

Cord

All Models

Daewoo

All Models

Daimler Chrysler

Conquest & Conquest TSI, Crossfire, Laser, Maybach, TC

DeLorean

All Models

Dodge

Challenger, Charger, Colt GTS Turbo, Conquest, Some Daytona Models-esp. Turbos & IROC-Z, Raider, Ram Wagon, Shelby Models, Spirit R/T, Sprinter Vans, Stealth, Viper

Eagle

Vision TSI, Talon, Talon TSI

Ferrari

All Models

Fiat

Abarth, Bertone, Pininfarina, Spider Models, X1/9 Models

Ford

Bronco II, EXP Lightning, Club Wagon - E350, Cobra GT LX 5.0,  Econoline Wagon – E350, Some Mustang Models, Pantera, Some Probe models-esp. GT, Shelby Models, Sierra Models, GT420, GT Supercar, Taurus SHO, Thunderbird Sport Models, SC, Torino GT (390), SVT/ Lightning

GEM

All Models

Geo (Chevrolet)

Metro XF1, Prizm GS1, Storm, Storm GS1

GMC

Cyclone, P-30, Rally Wagon, Savana 2500 & 3500 series, Typhoon√

Honda

Civic Del Sol SI & VT, CRX & CRX Si, EV Plus, Prelude SI & VT, VTEC, S2000

Infinity

FX45

Isuzu

Amigo, Impulse Models

Jaguar

Some models-esp. XJ-S Models, XJ220

Jeep (AMC Chrysler)

Scrambler, Willie, Wrangler, CJ Series, DJ-5, Grand Cherokee SRT 8 (425 HP Hemi)

Lamborghini

All Models

Landrover

All models –See Range Rover

Lexus

SC300, SC400, SC430, LFA

Lincoln

Mark VII B, Mark VII LSC, Mark VIII

Lotus

All Models

Maserati

All Models

Maybach

All Models

Mazda

Miata, Some MX Models, Some RX Models

McClaren

All Models

Mercedes-Benz

AMG, SL, CL models, S600Roadsters, Sprinter

Mercury

Some Capri Models, Cougar XR-7,

Merkur

Scorpio

Mitsubishi

Some 3000 Models, Some Eclipse Models, Montero, Starion Ralliart, EVO-RS

Nissan

Roadster Models, GTR, Pulsar, NX2000, 200SX/240SX, Z Models, ZX Models, 300ZX, Stillen models

Oldsmobile

Achieva w/HO Quad 4 Engine, 442(400), Cutlass Calais Quad 4

Panoz

All Models

Peugeot

Some models

Plymouth

Conquest, Laser, Prowler

Pontiac

Fiero Models, Firebird Models, Trans-Am, Grand Am GT, LE, SE, High Output Models, Grand Prix GT/G TP, SE, GTO, Lingenfelter,  Sunbird GT, Sunbird SE

Porsche

All models

Range Rover

County, Defender

Renault

Alliance, GTA, Fuego

Rolls Royce

All Models

SAAB

Turbos

Spyker

All Models

Stallion

All Models

Studebaker

All Models

Stutz

All Models

Subaru

Brat, Some XT Models, SVX, WRT-STi

Sunbeam

All models

Suzuki

Samurai, Sidekick

Tesla

All models

Toyota

Celica GT, Celica Supra, Landcruiser (2-Dr Hardtop), MR2

Triump

TR3,4,5,6,7 8

TVR

All Models

Volkswagen

Cabrio, Corrado, Phaeton, GTI, Scirocco 16v, R32, Golf R, Thing

Volvo

850 R, 850 Turbo

Yugo

All models

Zimmer

All Models

 

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