Auto Insurance

Auto Insurance Difficulties


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.




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
Ascari  All Models
Aston Martin All Models
Asuna All Models
Auburn All Models
Audi 5000, Some Quattro Models, R8, S, SQ5, 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, i8, "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, ATS-V, CTS-V; CTS-V Sport; Deville Convertible, Eldorado Models, XLR-V; XTS-V Sport; Hearse & Limousine models;
Callaway All Models
Campagna All Models
Caterham 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, G2500 & G3500 series, 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, Durango (SRT Trim 8 Cylinder), 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
Falcon 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 RS, 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 Syclone, EV-1, Hummer, P-30, Rally Wagon, RV models, Savana 2500 & 3500 series, Typhoon
Glassic All Models
Gremballa All Models
Gumpert/Apollo All Models
Hennessey All Models
Honda Civic Del Sol SI & VT, CRX & CRX Si, EV Plus, FCX, Prelude SI
& VT, VTEC, S2000
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
Kit Cars All Models
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
LeBlanc All Models
Lexus IS-F, LS 500, 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
McLaren All Models
Mercedes-Benz 550, 560, 600, some AMG models, SLS, CL models, LFA, S65, SL, SL63 Black, SL65, SLR, S600Roadsters, Sprinter,
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
Wiesmann All Models
Wild Fire WF650, WF250
Winnebago All Models
ZENN All Models
Zenvo All Models
ZEV Smiley All Models
Zimmer All Models