Here in Germany the insurance is based on accident probability.
The more kilometers you drive, the higher the chance and due to higher taxes on diesel engines combined with lower price for diesel itself diesel was always considered the choice for people doing much long distance, so everything else the same, car, HP, speed, the diesel engine will be more expensive to insure.
They also look at the model. When I was 18 and thinking about a first car, the VW Golf 2 was the standard „old“ car that kids bought, so it was really expensive to insure even though it had a low power, small displacement petrol engine. The Jetta 2 on the other hand, exactly the same car but a three box sedan instead of a hatchback, was really cheap, because that car - like most sedans to this very day in Germany - was considered a car for retiree. My first car turned out to be an Audi 80 B3, which was a small sedan and due to its conservative styling made for older people. That and its whooping 1.6l engine with 71 hp resulted in really nice insurance rates.
Despite costing more than twice as much and being faster, a Porsche 911 was considerably cheaper to insure than a Subaru Impreza, because the Porsche in Germany also is a car mostly bought by people above 50.
I am absolutely certain that it is like that all over the world. Insurance companies hire really good mathematicians who create really complex simulation models to determine the risk of a specific brand. You will never know why; most pobably even the mathematicians do not know why cars come out as they do.
Here in Germany the insurance is based on accident probability.
The more kilometers you drive, the higher the chance and due to higher taxes on diesel engines combined with lower price for diesel itself diesel was always considered the choice for people doing much long distance, so everything else the same, car, HP, speed, the diesel engine will be more expensive to insure.
They also look at the model. When I was 18 and thinking about a first car, the VW Golf 2 was the standard „old“ car that kids bought, so it was really expensive to insure even though it had a low power, small displacement petrol engine. The Jetta 2 on the other hand, exactly the same car but a three box sedan instead of a hatchback, was really cheap, because that car - like most sedans to this very day in Germany - was considered a car for retiree. My first car turned out to be an Audi 80 B3, which was a small sedan and due to its conservative styling made for older people. That and its whooping 1.6l engine with 71 hp resulted in really nice insurance rates.
Despite costing more than twice as much and being faster, a Porsche 911 was considerably cheaper to insure than a Subaru Impreza, because the Porsche in Germany also is a car mostly bought by people above 50.
I am absolutely certain that it is like that all over the world. Insurance companies hire really good mathematicians who create really complex simulation models to determine the risk of a specific brand. You will never know why; most pobably even the mathematicians do not know why cars come out as they do.