The poor are more likely to be driving Civics than Escalades anyway. Increasing insurance on the larger, heavier, taller, more dangerous vehicles is exactly the right thing.

Doubly so if they have "badass offroad cosplay" mods like welded bumpers and lightbars. Yes okay maybe you need that out in the dunes, but if you're playing at that level you should be trailering the warmachine to the dunes and towing it behind something with better visibility. If that tank touches pavement, it should pay the insurance risk commensurate with its armor.