As is discussed above, got to include a disclaimer that this isn’t always true. My ZDX is 40% less to insure than XC90 T8. They are probably worth about the same amount at this point.
I have no idea what algo set those rates but it is the same one that said my Jetta should cost almost as much to insure as my XC90.
You can get a difference in condition all peril coverage that’s much better than normal earthquake coverage. It is however, very expensive and typically you only see it on expensive high risk homes.
