

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.
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 |
Ascari |
All Models |
Aston Martin |
All Models |
Asuna |
All Models |
Auburn |
All Models |
Audi |
5000, Some Quattro Models, R8, S, SQ5, RS & TT models, E-Tron GT |
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; I4; IX |
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; CT4-V Blackwing |
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 |
Hummer |
H1 |
Hyundai |
Some Genesis models, Scoupe, Tiburon GT, Veloster |
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), Trackhawk |
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 |
Lucid |
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, EQC, EQS |
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, Juke Nismo |
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 |
Polestar |
All Models |
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 |
Ram |
1500 TRX |
Renault |
Alliance, Alpine, GTA, Fuego, Twizy |
Rivian |
All Models |
Rolls Royce |
All Models |
Rossion |
All Models |
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 |
VPG |
MV-1 |
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 |
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