Insurance rates are all determined categorically. Mustangs have a higher “accident rate” because they’re cheap and fast and young people with lower incomes, who

Insurance rates are all determined categorically. Mustangs have a higher “accident rate” because they’re cheap and fast and young people with lower incomes, who are also most likely irresponsible, buy them and crash them. Vipers aren’t exactly in the same group. It’s not performance based, just statistics.