It's both the car, and the driver, and the driver's past claims history. An exotic car is going to cost more to insure regardless of who's driving it. Even more

It's both the car, and the driver, and the driver's past claims history. An exotic car is going to cost more to insure regardless of who's driving it. Even more so if the driver is young, male, unmarried, or has a record of accidents or violations. When I added my 16 year old to my insurance, there was quite a difference in cost, depending on which car we said was his primary car.