Difficult-To-Insure Vehicles (2024)

AcuraNSX, NSX-T, NEX De Tomaso, TL, RSXAudi5000, A6, A7, A8, E-Tron, GT, R8, RS, RS Models, RS7, S Models, S6, S7, S8, select Quattro Models, SQ5, TTBMW135, 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 SeriesBuickGNX, Reatta, Regal GMX, Regal Grand National, Regal GS, Skyhawk TurboCadillac"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, LimousineChevroletBerlinetta, 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-1Daimler Chrysler300 SRT, Conquest and Conquest TSI, Crossfire, GEM models, Laser, Limousine Models, Maybach, ME, Prowler, TC, ViperDodgeB350, 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 ModelsFordAspire, 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), TransitFreightlinerSprinter (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, VanduraHondaCivic Del Sol SI and VT, Civic Type R, CRX and CRX Si, EV Plus, FCX, NSX, Prelude SI and VT, S200, VTECHyundaiAccent, Elantra, Genesis (Coupe, R-Spec (5.0)), Kona, Palisade, Sante Fe, Sonata, Tucson, Veloster, VenueInfinitiFX45, G35, G37, IPL-G, M45m Q50, QX60, QX70IsuzuAmigo, 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-15JeepCJ Series, DJ-5, Grand Cherokee SRT 8 (425 HP Hemi), Grand Wagoneer Series III, Kaiser, Postal Units, Scrambler, Trackhawk, Willie, WranglerKiaForte, Optima, Rio, Sedona, Sorento, Soul, SportageLand RoverAny with 5.0 S/C Engine, Defender, Range Rover CountryLexusGS-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, SC430LincolnMark Livery, Mark VII B, Mark VII LSC, Mark VIII, Town Car BPSMazdaMaxdaspeed Models, Miata, MX-5 Models, RX-7, RX-8, Some MX modelsMercedes-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-7Mitsubishi3000 Models, Eclipse Models, Evolution, EVO-RS, Lancer EVO, Montero, Starion RalliartNissan200SX/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 ModelsPorsche911 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 ModelsSubaruBrat, Impreza STI, Legacy GT, Postal models, SVX, WRT-STI, WRX, WRX-STI, WRX Turbo, XT ModelsTeslaModel 3, S, X, Y, Roadster, Roadster 2.5ToyotaAll Trac, Celica GT, Celica Supra, HKS enhanced Models, HKS Enhanced Supra Turbos, Landcruiser (2-Dr Hardtop), MR2, Scion IQ Electric, SupraVolkswagenCabrino, Corrado, Golf R, GTI, GTI Scirocco 16v, Passat W8, Phaeton, R32, Touareq V8/V10Volvo850 Rm, 850 Turbo, C70, Polestar, S80, T6
Difficult-To-Insure Vehicles (2024)

FAQs

Why is it so hard for me to get car insurance? ›

A history of insurance violations or lapses for non-payment will also make you a poor risk. You have a bad credit rating – Many insurers use credit information as a predictor of risk, as people who do not effectively manage their credit tend to make more claims.

Why is it so hard for me to get insurance? ›

Why might you have a problem getting insurance. Insurers decide the terms and conditions on which to offer insurance cover or whether to offer cover at all. You may have a problem getting insurance if you have a complex medical history, are elderly or have criminal convictions.

What cars are difficult to insure? ›

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 ...

How to answer insurance questions? ›

Below are some best practices to consider:
  1. Contact a lawyer. ...
  2. Keep in mind that despite the friendliness of the person taking your statement, that person is not your friend. ...
  3. Ask specifically that your statement not be recorded. ...
  4. Give brief answers. ...
  5. Don't volunteer information. ...
  6. Answer only the question asked.

Why are car insurance companies rejecting me? ›

Car insurance companies are more likely to deny insurance to people they believe are more likely to file a claim. Insurance companies frequently deny coverage if the applicant has a recent history of accidents, a series of minor traffic tickets or a serious infraction such as a DUI.

Why is it so hard to get insurance right now? ›

California regulates insurance companies and their rate increases, so a number of insurance companies have simply pulled out of the state. It's one reason it's getting harder to find a policy.

What do insurance companies fear the most? ›

Legitimate Denials

People have successfully fooled insurance companies into paying out for false injuries, so these insurers are often paranoid about paying out for a false claim.

Why do I keep getting denied for insurance? ›

They can include engaging in risky hobbies and behaviors like skydiving; having a history of DUIs or speeding tickets; having a dangerous job like roofing; having a criminal record or a less than ideal financial history; being a smoker; and failing a drug test.

Why are people denied insurance? ›

If you are unemployed, in part-time work or retired, or if your income is low, you are more likely to be denied health insurance, as your insurer may consider you to be at risk of being unable to afford your premiums.

Which cars are uninsurable? ›

The cars that are most commonly nearly impossible to insure include:
  • Grey market cars, meaning vehicles that are legally imported but not sold in the U.S.
  • Modified or altered vehicles.
  • Custom cars.
  • Exotic, high-value or high-performance cars.
  • Antique, classic or rare vehicles.
  • Exhibition cars.
  • Vehicles that are too heavy.
Feb 21, 2024

What car brand has least problems? ›

Luxury brand Lexus gets ranked first, with models like the 2023 Lexus GX proving to be the most reliable. They are also doing well in the hybrid model section.

Are older cars easier to insure? ›

Typically, it's cheaper to insure older cars because they're less valuable, meaning they'll cost less to repair or replace should you file a claim.

How do you explain insurance for dummies? ›

Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursem*nt against losses from an insurance company. The company pools clients' risks to make payments more affordable for the insured.

What is insurance best answer? ›

Insurance is a financial safety net, helping you and your loved ones recover after something bad happens — such as a fire, theft, lawsuit or car accident. When you purchase insurance, you'll receive an insurance policy, which is a legal contract between you and your insurance provider.

How do I talk like an insurance agent? ›

Hook your prospect with a strong opening sentence: It should address the needs of customers and why do they need insurance. Address their pain points: Most insurance customers tend to have common questions, and these are usually their concerns. It may include the premium amount, coverage, and even claims.

How can I get insurance faster? ›

To speed up purchasing instant auto insurance online, have this basic information ready for each driver on your policy:
  1. Social Security number (optional)
  2. Driver's license number.
  3. Driving distance to work.
  4. Driving violations, accidents or claims in the last five years (approximate dates and details)

Why is car insurance so expensive right now? ›

Inefficient regulatory environments in states like California, New Jersey and New York, combined with inflation and increased catastrophic losses, have left consumers with fewer choices of insurers and higher costs,” he said.

What is a risk pool in car insurance? ›

If you can't find auto insurance in the “voluntary market”—meaning where you choose your own insurance company—you might be faced with joining an assigned risk pool. These pools ensure that drivers can buy the state's minimum insurance requirements when other insurers turn them down.

Can you get car insurance online without talking to someone? ›

Most companies let you get car insurance quotes online. However, only some companies allow you to sign up for your policy online without talking to an agent. For example, Geico and Progressive let you buy car insurance policies online, while State Farm and Allstate require you to finalize your policy with an agent.

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