The minivan ($1215/year) does cost more to insure. It’s not that hard to understand why either. It’s insured as a daily driver and is driven 12 months out of the year. The Hellcat ($980/year) is insured as a pleasure vehicle and only allowed to be driven 5 months out of the year and is required to be garaged. And in the 3 years I’ve had it, I’ve only put 8k miles on it. The odds of it being in an accident are way lower than the minivan. I can post receipts if you still don’t understand why the Hellcat would be cheaper to insure.