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Insurance is all a numbers game. If a honda coupe statistically has more accidents/repair costs/young drivers/etc than even a toyota coupe. Guess which one will cost more to insure. This is even affected regionally. Once an insurance company tried to lump me in with "Denver" drivers because it was in the region. I pointed out that there are more drivers in the denver metro area than in the whole state of Wyoming and the number of accidents etc would be significantly different. When they would not budge, I changed carriers.
I always found it odd that even liability insurance was affected by the driver's credit score. If the vehicle is paid off...there should be no issue.
Either way, around here, the least expensive thing to insure is a 2 wheel drive pickup with anti-lock brakes and airbags. I would assume that the full frame meant less medical costs. People aren't as likely to go out 4 wheeling and roll their 2wd and the drivers tend to be more mature.
Small "tuner" cars (or cars that are regularly made int tuner cars) seem to be the most to insure.
Statistics is what the insurance industry is based on as a way to make money. It is all gambling that you will pay more than you cost.
Jim
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