Guilbert Beattie

Question: Why is insurance on an s2000 so expensive?

I have been looking for used cars in the 10-15 grand range as my second car, currently drive a miata, and I am stuck on a few cars: -01-02 s2000 -01 m5 -01-03 s4 I just recently turned 18, and took my driving test, and passed. I'm a male, about to graduate highschool with above a 3.0 and am already enrolled for a Junior College starting in Fall. I haven't received a violation yet, and I don't think I will any time soon. I was just wondering why insurance on an s2000 is MORE expensive than an m5 or s4. I was really sold on the s2000 because its 4 cylinders naturally aspirated (cheap on gas), a convertible, and relatively pretty. All of this was great news, until I saw how much insurance would be for this car. Lets look at the facts for these cars s2000: 2 door convertible 237hp/153lbft RWD 2 Liter N/A 4 cylinder top speed: 155 0-60: 5.5 - 6 seconds m5: 4 door Hardtop 394hp - I don't know the torque RWD 4.9 liter Naturally Aspirated v8 top speed: ~180 mph / 155 mph with limiter 0-60: 4.7-5 seconds s4: 4 door Hardtop 261HP/I do not know the torque AWD 2.7 Liter Twin Turbo v6 top speed: do not know/ limited to 155mph 0-60: 5.5 seconds I know that the small size of the car may make the s2000 unsafe, but the m5 is much more of a car than the s2000, and in my opinion much, MUCH more unsafe than the s2000. The s2000 is a sports car, but what is the m5 then, a 4 door family car? It is much more than that. High performance sports car in my opinion would be much more apropriate. If you are knowledgeable in the area of car insurance, i.e. you are a insurance agent or work for an insurance company, could you please let me know why an 18 year old has a easier time insuring an m5 or s4 than an s2000 under the exact same plan? Thanks for reading, and if you answer, thank you for answering. Have a nice day!

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