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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, amphibious 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

AC (auto car)

All Models

Accubuilt

All Models

Acura

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

AIRPOD

All Models

Alfa Romeo

All Models

Allard

All Models

Alvis

All Models

AM General

Hummer, Humvee, HMCO, HMCS

Ameritech

All Models

Amphicar

All Models

Ariel

Atom 3, Atom 3S,

Aro

All Models

Aston Martin

All Models

Asuna

All Models

Auburn

All Models

Audi

5000, Some Quattro Models, R8, S, RS & TT   models

Austin Healy

All Models

Avanti

All Models

Azure Dynamics

All Models

Bentley

All Models

Berlina

All Models

Bertone

All Models

Bizzarini

All Models

Bitter

All Models

BMW

760Li (12 cyl), Alpina B7, CS Series,   "L" Series, "M" Series, 21, "Z" Series, 760Li   (12 cyl); Series 135, 335, 435, 550, 650, 750, 840, 850,G3 GTR; Dinan models,  

Bombardier

Neighborhood

Bricklin

All Models

Bristol

All Models

Bugatti

All Models

Buick

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

Cadillac

Allante, CTS-V; CTS-V Sport; Deville   Convertible, Eldorado Models, , XLR-V; XTS-V Sport; Hearse & Limousine   models

Callaway

All Models

Campagna

All Models

Chaparral

All Models

Checker

All Models

Chevrolet

Berlinetta, Camaro IROC-Z, Z-28, RS, ZL1;   Cavalier Z24, Caprice LS, Corvette models, El Camino, Express models, , Grand   Sport/GT Championship Edition/Z06/ZR-1, Impala SS (396/427)( pre-1994), Hammer,   K3500, Lingenfelter, Lumina Z34, “SS” Models, Silverado C3500, Sparks Turbo, Vans   (extended & full size), some RV models

China Motors

All Models

Citroen

All Models

Clenet

All Models

Coda

All Models

Cord

All Models

Daewoo

All Models

Daihatsu

All Models

Daimler Chrysler

300 SRT, Conquest & Conquest TSI,   Crossfire, GEM models, Laser, Maybach, TC, Limousine models, ME, Prowler

DCX

Sprinter models

DeLorean

All Models

DeTomaso

All Models

Dinan

All Models

Dodge

B350, B3500, Challenger, Charger, Colt GTS   Turbo, Conquest, Some Daytona Models-esp. Turbos & IROC-Z, Neon, Raider,   Ram Wagon, Shelby Models, Spirit R/T, Sprinter Vans, SRT, Stealth, Viper

Dongfeng Motors

All Models

Duesenberg

All Models

Dune Buggy

All Models

Dynasty

Motorcar

Eagle

Vision TSI, Talon, Talon TSI

Edaran Otomobil

All Models

Edonis

All Models

Elegant

All Models

Elio

All models

Evans

All Models

Excalibur

All Models

Fairthorpe

All Models

Ferrari

All Models

Fiat

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

Fisker

All Models

Ford

Aspire, Bronco II, EXP Lightning, Club Wagon -   E350, Cobra models  Econoline Wagon –   E350, Focus ZX2, F350, limousine models, some Mustang Models, Pantera, Ponoz   Roadster, some Probe models-esp. GT, RV models, Saleen & Shelby Models,   Sierra Models, GT 40, GT420, GT Supercar, Taurus SHO, Think models, Thunderbird   Sport Models, Transit, SC, Torino GT (390), SVT/ Lightning

Freightliner

Sprinter Van

GEM

All Models

Gemballa

All Models

Geo (Chevrolet)

Metro XF1, Prizm GS1, Storm, Storm GS1, Tracker

Ginetta

All Models

GMC

Cyclone, EV-1, Hummer, P-30, Rally Wagon, RV   models, Savana 2500 & 3500 series, Typhoon

Honda

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

& VT, VTEC, S2000

Glassic

All Models

Gremballa

All Models

Hummer

H1

Hyundai

some Genesis models, Scoupe, Tiburon GT

Infiniti

FX45, G35, G37, IPL-G, M45, Q50, QX60, QX70

Isuzu

Amigo, Impulse Models, Trooper (95 & 96)

Jaguar

Some models-esp. X/XJ-S/XJ-SC   Models, XJ220, XJ Supercharged, XJ Super Sport, XFR, XKR

Jeep (AMC Chrysler)

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

Jensen

All Models

Jinan Flybo

Spark-EV, XFD-60000ZK

KandiDirect

Kandi Coco

Karmin Ghia

All Models

Kelmark

All Models

KIA 

K900

Koenigsegg

All Models

Krystal Koach

All Models

Kurrent

All Models

La Forza

All Models

Lafer

All Models

Lamborghini

All Models

Landrover

 Range Rover County, Defender models

Lancia

All Models

Lexus

IS-F; SC300, SC400, SC430, LFA

Lincoln

Mark VII B, Mark VII LSC, Mark VIII

Lotus

All Models

Maserati

All Models

Maybach

All Models

Mazda

Mazdaspeed models, Miata, Some MX Models, Some   RX Models

McClaren

All Models

Mercedes-Benz

550, 600, some AMG models, SLS, CL models, LFA,   S65, SL, SL63 Black, SL65, SLR, S600Roadsters, Sprinter, XFD-60000ZK

Mercury

Some Capri Models, Cougar XR-7,

Merkur

Scorpio

MG

All Models

MGB

All Models

Mitsubishi

3000 Models, Eclipse Models, Evolution, Lancer   EVO, Montero, Starion Ralliart, EVO-RS

Monteverdi

All Models

Morgan

All Models

Mosler

All Models

Mullen

M-11

NEVCo

Gizmo

Nissan

200SX/240SX/300ZX, Roadster Models, GTR,   Pulsar, NV models, NX2000, Sentra SE-R, Skyline, Stillen models, Z Models, ZX   Models,

Noble

All Models

Oka NEV ZEV

All Models

Oldsmobile

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

Pagani

All Models

Panoz

All Models

Pantera

All Models

Panther

All Models

Peugeot

All models

Pini

All Models

Pininfarina

All Models

Plymouth

Conquest, Laser, Prowler

Pontiac

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

Porsche

All models

Proton

All Models

Puma

All Models

Qvale

All Models

Renault

Alliance, Alpine, GTA, Fuego, Twizy

Rolls Royce

All Models

Rossion

Q1

Roush

All Models

Ruf

All Models

SAAB

Turbos

Saleen

All Models

Saturn

Postal Unit, Sky Redline (Turbo)

Scarab

All Models

Scimitar

All Models

Shelby

All Models

Skoda

All Models

SLK

350

Smart

"Grey market" models

Spyker

All Models

Sparks Turbo

All Models

Sprinter Van

All Models

Stallion

All Models

SSC

All Models

SSI

All Models

Studebaker

All Models

Sterling

All Models

Stutz

All Models

Subaru

Brat, Impreza STI, Legacy GT, Postal models, some   XT Models, SVX, WRT-STi, WRX Turbo, WRX-STI,

Sunbeam

All models

Suzuki

Samurai, Sidekick

Tata

Nano

Terrafugia

All Models

Tesla

All models

Think

City

Toyota

All Trac, Celica GT, Celica Supra, HKS   enhanced Supra Turbos, Landcruiser (2-Dr Hardtop), MR2, Scion IQ Electric

Triumph

All Models

TVR

All Models

Ultima

Can-Am 640 & GTR 640

Ultimate Aero TT

All Models

UNIMOG

All Models

Vector

All Models                       

Volkswagen

Cabrio, Corrado, Passat W8, Phaeton, Golf   R,GTI, Scirocco 16v, R32, Touareq V8/V10, Thing

Volvo

850 R, 850 Turbo, C70, S80 T6

Yugo

All models

Wheego

Whip LiFe

Wild Fire

WF650, WF250

Winnebago

All Models

ZENN

All Models

ZEV Smiley

All Models

Zimmer

All Models

 

 

Shopping for Auto Insurance | Next Topic | Consumers - Insurance Products

Updated 07/21/2016

 

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