Cheap Sports Car Insurance

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 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 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 Legend GS, Legend L, Legend LS, NSX, NSX-T

Aston Martin All Models

Austin Healy All Models

AM General Hummer

Audi 5000, Some Quattro Models

Avanti All Models

Bently All Models

Bricklin All Models

BMW CS Series, “L” Series, “M” Series, 21, Z1 Roadster

Buick Reatta, Regal GMX, Regal Grand National, Regal GS,

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)

Chrysler Conquest & Conquest TSI, Crossfire, Laser, TC

DeLorean All Models

Dodge Challenger, Charger, Colt GTS Turbo, Conquest, Some Daytona Models-esp. Turbos & IROC-Z, Shelby Models, Spirit R/T, Sprinter Vans, Stealth, Viper
Eagle Vision TSI, Talon, Talon TSI

Ferrari All Models

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

Ford EXP Lightning, Cobra GT LX 5.0, Some Mustang Models, Some Probe models-esp. GT, Shelby Models, Sierra Models, Taurus SHO, Thunderbird Sport Models, SC, Torino GT (390)
Geo (Chevrolet) Metro XF1, Prizm GS1, Storm, Storm GS1

GMC Cyclone, Typhoon

Honda Civic Del Sol SI & VT, CRX & CRX Si, Prelude SI & VT, VTEC

Isuzu Amigo, Impulse Models

Jaguar Some models-esp. XJ-S Models

Jeep (AMC Chrysler) Scrambler, Willie, Wrangler, CJ Series, DJ-5

Lamborghini All Models

Landrover All models –See Range Rover

Lexus SC300, SC400

Lincoln Mark VII B, Mark VII LSC, Mark VIII

Lotus All Models

Maserati All Models

Maybach All Models

Mazda Miata, Some MX Models, RX-7

Mercedes-Benz Some models-esp. Roadsters

Mercury Some Capri Models, Cougar XR-7,
Merkur Scorpio

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

Nissan (Datsun) Roadster Models, Pulsar, NX2000, 200SX/240SX, Z Models, ZX Models, 300ZX

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

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, Sunbird GT, Sunbird SE

Porsche All models

Range Rover County, Defender

Renault Alliance, GTA, Fuego

Rolls Royce All Models

SAAB Turbos

Subaru Brat, Some XT Models, SVX, WRT-STi

Suzuki Samurai, Sidekick

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

Triump TR3,4,5,6,7 8

Volkswagen Corrado, Phaeton, GTI, Scirocco 16v,

Volvo 850 R, 850 Turbo

Yugo All models