Vehicles hardest to insure include high-performance exotics (Ferrari, Lamborghini), specialized luxury cars (Rolls-Royce, Bentley), heavily modified/kit cars, and older "grey market" imports. Certain 2015-2021 Hyundai and Kia models are currently difficult to insure due to high theft rates, while high-repair-cost EVs like Teslas also face10, 13, 14 challenges.
The Most Expensive Models of Car 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 ...
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. Typically, compact SUVs with high safety ratings and low MSRP have the lowest average insurance rates.
State Farm has blacklisted certain Hyundai and Kia models due to their high frequency of theft. A high number of Hyundai and Kia models were susceptible to theft because they lacked engine immobilizers, which prevented the engine from starting without a key or keyfob present.
Louisiana, Florida, and Nevada are often cited as the top three most expensive states for car insurance premiums. By contrast, Illinois drivers enjoy rates that are lower than the national average, making our state more affordable for coverage.
Vehicle types we don't insure
Insurance companies use credit-based insurance scores to help predict the likelihood of a customer filing a claim. Studies have shown a strong correlation between credit history and risk, which is why many insurers include this factor when setting rates. It's just one of several elements used to determine your premium.
White cars statistically get pulled over the most because they are the most common vehicle color on the road, followed by red, gray, and silver, but red cars might be ticketed at a higher rate relative to their numbers. While white cars account for the highest total stops due to sheer volume, red cars, often associated with sports cars, are ticketed more often than their percentage of cars on the road would suggest, indicating a disproportionate stop rate.
Top 10 Safest Cars in the USA (2026 Edition)
Does car color affect insurance rates? The color of your car doesn't affect your insurance rate. Instead, your insurance company uses other information, like your car's age, location, usage, and your driving record, to help determine insurance rates. Learn more about the factors that impact auto insurance pricing.
The best times to buy a car are the end of the year (especially December) for big discounts on outgoing models and hitting quotas, fall (Sept-Nov) to clear old inventory as new models arrive, end of the month/quarter for sales staff to meet goals, and specific holidays like Black Friday; Tuesdays and Wednesdays are often better days due to fewer crowds, while late January offers good deals with less holiday shopping competition.
Here are some brands known for making reliable used cars:
Low road tax cars
To lower car insurance, shop around and compare quotes, maintain a clean driving record, bundle policies (auto/home), ask for discounts (good student, safe driver, anti-theft), raise your deductible, take defensive driving courses, and consider usage-based programs or lower coverage on older cars.
A good rule of thumb is to keep your vehicle expenses below 10% to 15% of your income. For example, the average salary is $5,460 per month, according to the U.S. Bureau of Labor Statistics, so a good car payment for that income would be between $546 and $819.