What kind of cars are hard to insure?
Asked by: Nels Gleichner | Last update: August 31, 2025Score: 4.7/5 (13 votes)
Which cars are hard to insure?
- Exotic Brand Vehicles (e.g. – Rolls Royce, Bentley, Bugatti)
- Limited Production or Limited Edition Vehicles (e.g. – anniversary or commemorative models, certain models of Ferrari, Corvette, et cetera)
- Vans carrying 12 or more passengers.
- Camper vans.
- Cargo vans.
- Flatbed trucks.
What would make a car uninsurable?
The common reasons include poor driving history, past attempts at claim fraud, vehicle modifications, and driving an improperly imported car. The list is based on data from the Insurance Research Council, the Insurance Information Institute, and other industry sources.
Why are Kias and Hyundais hard to insure?
Owners of some older Kia and Hyundai cars are facing higher insurance premiums, and in some cases are struggling to find an insurer who will cover their car.... due to high theft rates. FAIRFIELD, Ohio — Owners of certain Kias and Hyundais have been worrying about their cars getting stolen for several years now.
Why are older cars harder to insure?
Yes, old cars often have lower insurance rates compared to newer models, primarily due to their lower market value and potentially lower repair costs. Here's a breakdown of why this is typically the case: 1. Lower Market Value * Since the actual c...
How Much Car Insurance Do I Actually Need?
Can a car be too old to insure?
In general, you will need to meet your state's minimum insurance requirements. Optionally, both collision and comprehensive coverage can offer benefits, even for older cars.
At what age is car insurance the cheapest?
Experienced drivers are less likely to have accident claims, which means they cost less to insure. At Progressive, the average premium per driver tends to decrease significantly from 19-34 and then stabilize or decrease slightly from 34-75. At age 75, the average premium begins trending upward.
Is it better to buy a Kia or Hyundai?
Hyundai Reliability — According to the J.D. Power 2022 U.S. Vehicle Dependability Study, Kia was the highest-ranking manufacturer for reliability in the US, with the least amount of issues per 100 vehicles. Hyundai is close, winning the bronze, but for the current model year, Kia takes the gold medal!
Why is it so expensive to insure a Kia?
Limited Security Features: While newer models of Kia and Hyundai vehicles come equipped with advanced security features, older models may lack adequate theft prevention systems. This makes them more susceptible to theft and increases the risk for insurance companies.
Why is Hyundai and Kia being sued?
ABOUT THE CASE. What is the case about? This class-action lawsuit alleges Hyundai and Kia failed to equip certain model year 2008-2022 Hyundai and 2011-2022 Kia vehicles with an engine immobilizer, making them vulnerable to theft, and often leaving owners with hefty repair bills following car thefts.
What happens if no one will insure your car?
If “no insurance company will approve” you, then the answer is very simple: you can't get insured and cannot drive legally.
Why won't they insure my car?
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 would make you uninsurable?
Good behaviour behind the wheel is your best battleplan to avoid being deemed uninsurable. If you have fines, arrests and convictions on your record, that might be a signal to an insurer that you are a big risk. Serious crimes, like impaired driving, can hurt your ability to renew your current insurance policy.
Which type of car is cheapest to insure?
What cars have the lowest insurance rates? Typically, compact SUVs with high safety ratings and low MSRP have the lowest average insurance rates. Vehicles like the Subaru Outback, Honda CR-V and Toyota RAV4 all fit this model and have some of the lowest average premiums out of all the vehicles Bankrate reviewed.
Which Kia models have immobilizer?
Beginning with the 2022 model year, all Kia models and trims have an immobilizer applied either at the beginning of the model year or as a running change, so new models are not affected. To check if your Kia is affected, you can type your VIN at this website.
What car has the least amount of problems?
According to a recent study by Consumer Reports, Toyota and Lexus were the most reliable vehicles in 2022. After Japanese cars, BMW was ranked third, while Mercedes' reliability was rated the lowest.
Why are insurance companies refusing to insure Kia cars?
Long story short: the reason insurance companies no longer want to cover these models from these two particular makes is that they think they are too easy to steal. The issue came to the forefront in July of 2022 when people stealing Kias using only a flathead screwdriver and a USB cable became a trend on TikTok.
Is a newer car cheaper to insure?
New cars normally have a higher market value compared to used cars, which often results in higher insurance costs. Insurers must account for the potential payout in case of a total loss, making it more expensive to insure a higher-valued vehicle.
Why are Kia Sorentos so cheap?
Kia and Hyundai don't have to pay extra for the metal because they own a foundry, a factory that produces metal parts. That means they can produce their own metal parts, saving money. This ultimately allows them to price their cars at a lower rate compared to their competitors.
Which car is best Toyota or Kia?
Toyota: Engine and Performance. Today, Kia engines are delivering more horsepower, speed, and torque compared to Toyota cars. For example, the 2023 Kia Sportage is more affordable than the 2023 Toyota RAV4 but offers more horsepower. So when you choose a Kia, you can expect speed and power.
What does Kia stand for?
While often suspected of being an acronym, the name Kia actually comes from two Sino-Korean characters. The first is “Ki” (起) which means “to arise” or “awake”. The second is “A” (亚) which refers to Asia. So Kia literally means “To rise from Asia”.
Does credit score affect car insurance?
How credit-based insurance scores work. Most U.S. insurance companies use credit-based insurance scores along with your driving history, claims history and many other factors to establish eligibility for payment plans and to help determine insurance rates. Again, except in California, Hawaii, and Massachusetts.
Which gender pays more for car insurance?
On average, young men pay much more for car insurance than young women. This is because car insurance providers find men to be riskier drivers than women, especially when they are younger. When they are older, women start to pay slightly higher rates.
What is the age cut off for car insurance?
But how long can you stay on your parent's policy? Unlike health insurance, which can have an age limit of 26, you can stay on your parent's car insurance policy indefinitely if you live in the same house. Now, if you move out, you'll probably need your own.