In the US of A most of the variance is due to the fact that the majority of insurers are used to cookie cutter cars that fit a very precise slot. The M3W does not and they start babbling and drooling in the attempt to wrap their heads around the car. If it weren't so tragic, it would be highly amusing.
It doesn't fit in their tables. Motorcycle insurers and specialty car insurers are the only reasonable way to go.
"This makes me wonder if people have been falling off the road due to bump steer problems."
I doubt this. The big insurers have nothing on this car. There aren't enough out there. Please remember that insurance is merely another form of legalized gambling sanctioned by the state and that they, the insurers, are taking bets. The betting pool is simply not large enough to earn their interest.
