Auto Insurance

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, autonomous, 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.


AcuraNSX, NSX-T, NEX De Tomaso, TL, RSX
Audi5000, A6, A7, A8, E-Tron, GT, R8, RS, RS Models, RS7, S Models, S6, S7, S8, select Quattro Models, SQ5, TT
BMW135, 21, 335, 340 Series, 435, 440 Series, 524TD, 525, 528, 530, 533I, 535, 540, 545, 550, 633CSI, 635CSI, 640, 645, 650, 650, 733I, 735I, 740, 745, 750, 750 XI, 750IL, 760, 760Li, 769Li , 840, 850, Alpina models, CS Series, CSL, Dinan models, G3 GTR, i3, i4, i7, i8, iX, iX M60, L Series, M Series, M3 GTR, M4, M5, M550xi, M6, M760xi, M8, M850xi, Series 135, X5, X6, X7, XDrive40, Z Series
BuickGNX, Reatta, Regal GMX, Regal Grand National, Regal GS, Skyhawk Turbo
Cadillac"V" Series, Allante, ATS-V, CTS-V, CTS-V Sport, Deville Convertible, Eldorado Models, XLR-V, XTS-V Sport, Hearse and Limousine models, Blackwing Models, Celestiq, CT5-V Blackwing, Hearse, Limousine
ChevroletBerlinetta, C5500 C5V042, Camaro (IROC-Z, RS, ZL1, V-8 models), Caprice LS, Cavalier (Z24, ZX24), City Express, Corvette models, Cutaway Van G30, El Camino, Express models, G10, G20, G2500 - G7500 series, G2500 series, G30, G3500 series, Grand sport, GT Championship Edition, Hammer, K3500, Lingenfelter, Lumina Z34, RS/SS Models, RV (certain models), Silverado C3500, Sparks Turbo, Sportvan (G30, GCL), Trucks (models 3500 - 8500), Vans (extended and full size), Volt, Z06, Z-28, ZL-1, ZR-1
Daimler Chrysler300 SRT, Conquest and Conquest TSI, Crossfire, GEM models, Laser, Limousine Models, Maybach, ME, Prowler, TC, Viper
DodgeB350, B3500, Challenger (SRT, Hellcat, Redeye), Charger, Colt GTS Turbo, Conquest, Dakota, DCX Sprinter, Durango (SRT Trim 8 Cylinder, Hellcat), Neon, Power RAM (50, 50LE, 50SE), ProMaster 2500, Raider, RAM 50, RAM Charger, RAM Promaster (Cargo, City VM), RAM Van B350, Ram Wagon, Shelby Models, Some Daytona Models esp. Turbos and IROC-Z, Spirit R/T, Sprinter (2500, 3500 - 8500 Vans and Trucks), SRT Models, Stealth, Viper (GTS, RT10, ACR),
FiatAbarth, BERT X1/9, Spider, Abarth, Bertone, Pininfarina, Spider Models, X1/9 Models
FordAspire, Bronco II, Club Wagon - E350, Cobra models, Econoline E100, E150, E250, E350, E450 Super, EXP Lighting, F250, F350, F350, F850, F450, Focus RS, ZX2, GT 5, 40, 420, Coupe, Supercar, Limousine models, Mustang (GT350, GT500, Mach E, all V-8), Probe models, Roush Models, RV models, Saleen models, Shelby models, Sierra models, Sprinter 350, Supercar, SVT models , Lighting, Taurus SHO, Think, Thunderbird Sport models, Torino GT (390), Transit
FreightlinerSprinter (1500, 2500, 3500, Vans)
GMC3500-8500 Trucks, C5500, C5V042, Canyon, EV-1, Hummer, P-30, Rally, Rally Wagon, RV models, Savana (2500, 3500, Cutaway G4500, G1500, G2500, G3500), Syclone, Typhoon, Vandura
HondaCivic Del Sol SI and VT, Civic Type R, CRX and CRX Si, EV Plus, FCX, NSX, Prelude SI and VT, S200, VTEC
HyundaiAccent, Elantra, Genesis (Coupe, R-Spec (5.0)), Kona, Palisade, Sante Fe, Sonata, Tucson, Veloster, Venue
InfinitiFX45, G35, G37, IPL-G, M45m Q50, QX60, QX70
IsuzuAmigo, Impulse models, Tropper (95 and 96)
JaguarF-Type (Type R, Type R Dynamic), I-Pace Waymo, X Models, XJ, XJ-S, XJ-SC, XJ220, XJ Supercharges, XJ Super Sport, XF, XFR, XKR, XJL, XJR-15
JeepCJ Series, DJ-5, Grand Cherokee SRT 8 (425 HP Hemi), Grand Wagoneer Series III, Kaiser, Postal Units, Scrambler, Trackhawk, Willie, Wrangler
KiaForte, Optima, Rio, Sedona, Sorento, Soul, Sportage
Land RoverAny with 5.0 S/C Engine, Defender, Range Rover Country
LexusGS-F, IS-F, LC, LC 500, LFA, LS 400, LS 430, LS 460, LS 500, LS 500H, LS 600H, LX 450, LX 470, LX 570, LX 600, SC 300, SC 400, SC 430, SC300, SC400, SC430
LincolnMark Livery, Mark VII B, Mark VII LSC, Mark VIII, Town Car BPS
MazdaMaxdaspeed Models, Miata, MX-5 Models, RX-7, RX-8, Some MX models
Mercedes-Benz550, 560,660, AMG Models (GT, GT S), Black Series, C 43 4MATIC AMG, C 43 AMG, C 450 4MATIC AMG, CL Models (CL550, CL63, C 63 AMG, CL65), CLA 45 AMG, CLS 63 AMG S-MODEL, CLS AMG 53 4MATIC, CLS550, E Models (43 4MATIC AMG, 63 AMG-S, AMG 53, E250, E300, E320, E350, E400, E420, E43, E430, E450, E500, E53, E55, E550, E63, EQC, EQS), G Models (500, 550), GL 63 AMG, GLB AMG 35 4MATIC, GLC 43 4MATIC AMG, GLC 63 4MATIC AMG, GLC 43 4MATIC AMG, GLE 43 AMG, GLE AMG 53 4MATIC, GLE COUPE 43 AMG, GLE COUPE AMG 53 4MATIC, GLS 63 AMG 4MATIC, GLS600, LFA, Maybach, Metris, S Models (550, 550E, 56, 560 4MATIC, 580 4MATIC, 600, 600 Roadsters, 63, 65), SL Models (550, 63, 65), SLK 500, SLR, SLS, Sprinter (1500, 2500, 3500, 4500, Vans)
MercurySome Capri models, Couger XR-7
Mitsubishi3000 Models, Eclipse Models, Evolution, EVO-RS, Lancer EVO, Montero, Starion Ralliart
Nissan200SX/240SX/300SX, GT-R (Nismo, Premium/Black, Pure/Premium/Track Edition, Skyline), Juke Nismo, LEAF, NV Models (1500/2500, PASSENG), NX2000, Pulsar, Roadster Models, Sentra SE-R, Skyline, Special Edition Models, Stillen models, Z Models, Z Perf Proto Spec, ZX Models
Porsche911 Models (Carrera, Carrera GTS, Cabriolet, Carrera S, 4S, 4, GT2, GT3, Sport Classic (Limited Edition), Targa (4S/4 GTS, S/S GTS, Turbos Models), 918 Models, Cayenne (GTS COUPE, S, SE Hybrid, Turbo, Turbo GT), Cayman DT4 RS, Macan, Panamera (4S, 4S E-Hybrid, Executive, Base/4, GTS, Turbo, Turbo S E-Hybrid), Taycan (4S, Cross, Turismo, Turbos)
SmartAll Models
SubaruBrat, Impreza STI, Legacy GT, Postal models, SVX, WRT-STI, WRX, WRX-STI, WRX Turbo, XT Models
TeslaModel 3, S, X, Y, Roadster, Roadster 2.5
ToyotaAll Trac, Celica GT, Celica Supra, HKS enhanced Models, HKS Enhanced Supra Turbos, Landcruiser (2-Dr Hardtop), MR2, Scion IQ Electric, Supra
VolkswagenCabrino, Corrado, Golf R, GTI, GTI Scirocco 16v, Passat W8, Phaeton, R32, Touareq V8/V10
Volvo850 Rm, 850 Turbo, C70, Polestar, S80, T6