These 10 Vehicles Made the Insurance Blacklist in 2025

Every year, insurance companies quietly update their “blacklists” vehicles they either refuse to cover or insure at sky-high premiums. In 2025, a surprising mix of sports cars, SUVs, and electric vehicles made the cut. Some are too expensive to repair, others have theft issues, and a few are just plain dangerous on paper. If you’re car-shopping this year, these 10 models are the ones insurers really don’t want to touch.

Tesla Cybertruck

Oh man, where do I even start with this one. It’s like a triangle from the future that fell out of a low-poly video game. I mean, it’s all angular and… sharp. And it’s not even that it gets in a lot of accidents, but when it does, uhm, apparently it’s a nightmare. The body is this weird stainless steel that regular repair shops can’t even work on, and I heard a tiny fender bender can, like, total it because of the way it’s built? It’s so cool looking, not gonna lie, I’d love to just drive it once for the vibes, but at a starting price of like, what, $80,000? And then the insurance on top of that? Yeah, no thanks. My wallet just cried a little.

Dodge Charger Hellcat

So this one’s a classic on these lists, you know? It’s the car your inner seventeen-year-old desperately wants. Supercharged V8, makes all the right scary noises… and it goes from zero to “I’ve lost my license” in about three seconds. But that’s the problem, right? Everyone who buys one just… can’t help themselves. They see a straight road and suddenly it’s a drag strip. So statistically, they get crashed. A lot. And they’re not cheap to fix, all that horsepower and specialized parts. You’re looking at around $70,000 to get into one, which is a lot for a car that’s basically a temptation on wheels.

Hyundai Kona Electric

Wait, this one surprised me, honestly. It’s not a supercar, it’s just a normal, kinda cute little crossover. But I think it’s the whole electric thing? Like, the instant torque is sneaky, people aren’t used to it and maybe get into trouble, and also the battery packs are just crazy expensive to replace if they get damaged in even a minor crash. So the insurance companies see it as a silent little liability. It’s a great car though, really practical and that $35,000 price tag isn’t bad at all for an EV… until you get the insurance quote, I guess.

Ford Mustang GT

Another one that’s, like, a permanent fixture here. It’s the American poster car. But it’s also the car that seems to spontaneously leave car shows and hit crowds. You’ve seen the videos, right? It’s got so much power going to the rear wheels and it’s just… it’s a handful. And it attracts, uhm, a certain type of driver who might be a bit overconfident. For about $45,000 you get a legend, but you also get a massive target on your back from every insurance adjuster in the country.

Kia Sportage

Okay, this is the one that really makes no sense on the surface. It’s a sensible family SUV! But then you remember the whole “Kia Boyz” TikTok challenge thing from a few years back, right? Where certain models were stupidly easy to steal? Yeah, that reputation, sadly, still haunts them. Even with the new models having better security, the theft rates for Kias are just through the roof statistically, so they all get lumped together. It’s a shame because it’s a good car for, like, $30,000, but the risk is just too high for insurers.

Nissan Altima

Oh my god, THE Altima. This is the one everyone in the car world memes about. It’s not even an expensive or powerful car! You can get one for maybe $28,000. But for some reason, and the data totally backs this up, Altima drivers are just… they’re a different breed. They have a cosmic tendency to drive like they’re in a Mad Max movie, but while also forgetting to use their turn signals. The combination of aggressive driving and, let’s be honest, often not-great credit scores, makes them an absolute nightmare for insurance companies. It’s a phenomenon.

Lamborghini Urus

Well, this one’s obvious, right? It’s a $250,000 super-SUV. Anything that costs as much as a nice house is gonna be insane to insure. But it’s not just the value; it’s that it’s a Lamborghini, so people drive it like one. It’s got a twin-turbo V8 from, like, a raging bull, and it’s tall and heavy, which is a weird combo for going that fast. So when—not if, but when—a rich person bins it into a hedge, the repair bill is astronomical. Carbon fiber isn’t cheap, you know?

Subaru WRX

This is the rally car for the street, the one with the big hood scoop. And it’s so much fun, I’m not gonna lie. But that’s the issue. It’s too much fun. It encourages you to drive, well, like you’re in a rally. Every on-ramp feels like a stage. And they’re often modified, which insurers hate. So even though it’s a relatively affordable performance car at around $32,000, the people who buy them are statistically likely to use all that performance, which leads to claims. Lots of them.

Chevrolet Corvette

The ‘Vette! America’s sports car. The new ones are mid-engine now, which is wild, they’re like proper supercar killers for a fraction of the price. And that’s the thing, you get supercar performance for, what, $70,000? But you don’t get a supercar driver’s level of… experience, maybe? Or maybe it’s just that it’s so accessible, so people who aren’t used to that much power get behind the wheel and find themselves in over their head real quick. It’s a beautiful machine, but it demands respect, and the insurance costs reflect that.

BMW M3

The ultimate driving machine… and the ultimate insurance premium. This thing is a four-door sedan that can humiliate proper sports cars. It’s a wolf in sheep’s clothing, except the sheep is also wearing a really aggressive body kit. It’s just so competent and fast that you forget you’re in a practical family car, and then you’re going 100 mph on a back road. And BMW parts are never cheap, let alone the M-division parts. So for its $75,000 starting price, you get a phenomenal driver’s car, and a permanent grimace from your insurance agent.