Why is insurance so expensive?

[adam4472]

Before i start i would just like to say, i'm new here so please be gentle .

So i'm currently in the same position everyones been in at some point, trying to insure my first car.
Naturally i started pricing up something i liked a Toyota MR2 AW11 (un-supercharged version and i was quoted over £6000. At first i thought that was fairly reasonable but then i started to price up your typical hatchbacks.
I got quoted £4,818.26 on a 1.4 Honda Civic Tornado. That's almost 10x the price of the car. Even on a Peugeot 206 1.2 i'm being quoted over £3000.The cheapest price I've got so far is £1800 on an Austin Mini Mayfair 998cc. I would get one, if i could get a decent condition one for under £1500.
So is this normal or am i doing something badly wrong.
Also i would prefer to avoid a telematics quote if at all possible.

[adam4472]

As expected you told me what i already presumed.
Unexpectedly i got a lot of replies relatively quickly.
I have looked at classics policies but they just aren't suitable for what i need.
I would like a classic but i won't like the work and costs to keep it on the road.
So what fairly decent car is cheap to insure and isn't your typical hatchback?

[adam4472]

I have an overall budget for car and insurance around about £3500.
The car will be used to mainly get me to uni and to the odd museum.
I'm 18 and have got my father on my insurance policy.

[adam4472]

Urban Sports said:

adam4472 said:

I have an overall budget for car and insurance around about £3500.
The car will be used to mainly get me to uni and to the odd museum
I'm 18 and have got my father on my insurance policy.

Say that in my good ear

I have an intense interest in history and as such i intend to go visit places like Bovington Tank Museum and The Imperial War Museum.