Private car insurance companies are pretty sophisticated, so they certainly know if a certain vehicle is causing higher claims and will price accordingly.
But, IMHO, the legal minimum liability insurance policy is way too low. A serious car accident could easily cause millions in personal injury damage. Most US states require only ~$50k personal injury coverage.
But, IMHO, the legal minimum liability insurance policy is way too low. A serious car accident could easily cause millions in personal injury damage. Most US states require only ~$50k personal injury coverage.