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HLDI News | February 23, 2000Subscribe

Insurance losses for vehicle damage are worst among sports car models

ARLINGTON, Va. — Sports cars and luxury cars continue to have the worst claims losses among passenger cars for crash damage repairs under insurance collision coverages. Passenger vans have the best loss results. These are the findings of a new study from the Highway Loss Data Institute (HLDI).

Worst results

The Dodge Viper, a small sports car, has the worst overall collision coverage loss experience among 1997-99 model passenger vehicles. The Viper's average loss payment per insured vehicle year, which reflects both the frequency and size of collision claims, is more than 7 times the average for all cars. Average loss payments per claim exceed $26,000.

"For the fourth year in a row, a sports car has the highest overall vehicle damage, or collision, losses," says Kim Hazelbaker, HLDI senior vice president.

The Audi A8 Quattro, a four-door luxury car, has the second-highest overall collision losses, nearly 3 times the all-passenger-car average. The Audi A6 has the greatest frequency of collision claims.

Of the 21 cars with the highest (worst) overall collision losses, 8 are sports models, 7 are luxury models, 4 are small or mini 2-door models, and 2 are small or midsize 4-door models. All but 6 are imports.

Best results

The Honda Odyssey has the best overall collision losses, with considerably lower average loss payments per claim than the next best car. Of the 20 cars with the lowest average loss payments per insured vehicle year, 14 are passenger vans, 5 are 4-door models, and 1 is a station wagon. All but 1 are domestic.

Vehicle size strongly influences insurance collision coverage losses. Claims for crash damage repairs typically are more frequent for small cars than for large cars. Overall, mini 4-door models have the highest frequency of collision claims, and small sports models have the highest average loss payments per claim.

Results are shown in relative terms, with the value 100 representing the average loss for all passenger cars. Results are presented for passenger cars and separately for pickups, SUVs, and large vans with at least 1,000 insured vehicle years of exposure. The report includes 196 passenger car series and 143 pickup, SUV, and large/cargo van series.

The Highway Loss Data Institute is an affiliate of the Insurance Institute for
Highway Safety.

Best collision losses, 1997-99 passenger cars
Make and series Model years Size class, body style and type Results
Relative average loss payment per insured vehicle year
Honda Odyssey 99 Large passenger van 47
Pontiac Montana 99 Large passenger van 55
Chevrolet Astro 4WD 97-99 Large passenger van 57
GMC Safari 97-99 Large passenger van 58
Chevrolet Astro 97-99 Large passenger van 61
Chevrolet Venture 97-99 Large passenger van 63
Mercury Villager 99 Large passenger van 63
Nissan Quest 99 Large passenger van 64
Oldsmobile Silhouette 97-99 Large passenger van 64
Ford Windstar 99 Large passenger van 64
Relative claim frequency
Pontiac Montana 99 Large passenger van 56
Jaguar XK8 97-99 Midsize sports car 67
Ford Crown Victoria 97-99 Very large four-door car 67
GMC Safari 97-99 Large passenger van 68
Oldsmobile Silhouette 97-99 Large passenger van 69
Chevrolet Astro 97-99 Large passenger van 69
Mercury Grand Marquis 97-99 Very large four-door car 69
Chevrolet Corvette 98-99 Small sports convertible 70
Chevrolet Venture 97-99 Large passenger van 71
Chevrolet Corvette 97-99 Small sports car 72
Relative average loss payment per claim
Honda Odyssey 99 Large passenger van 50
Ford Windstar 99 Large passenger van 69
Dodge Grand Caravan 4WD 97-99 Large passenger van 70
Audi A6 Quattro 98-99 Midsize luxury four-door car 71
Saab 9-5 99 Midsize four-door car 75
Chevrolet Astro 4WD 97-99 Large passenger van 75
Audi A6 98-99 Midsize luxury four-door car 76
Chrysler Town & Country 97-99 Large passenger van 76
Toyota Camry 97-99 Midsize four-door car 78
Plymouth Voyager 97-99 Large passenger van 78
Worst collision losses, 1997-99 passenger cars
Make and series Model years Size class, body style and type Results
Relative average loss payment per insured vehicle year
Dodge Viper 97-99 Small sports car 724
Audi A8 Quattro 97-99 Large luxury four-door car 296
Porsche 911 Coupe 99 Small sports car 233
Jaguar XJ series 97-99 Large luxury four-door car 222
Hyundai Tiburon 97-99 Small two-door car 210
Lexus SC 300/400 97-99 Midsize luxury two-door car 198
BMW 3 series 97-99 Midsize luxury two-door car 198
Mercedes SL class 97-99 Small sports convertible 190
Jaguar XK8 97-99 Midsize sports convertible 185
Jaguar XJ series LWB 97-99 Very large luxury four-door car 178
Relative claim frequency
Audi A6 98-99 Midsize luxury four-door car 193
Hyundai Tiburon 97-99 Small two-door car 172
Audi A6 Avant Quattro 99 Midsize luxury station wagon 164
Audi A6 Quattro 98-99 Midsize luxury four-door car 162
Suzuki Esteem 97-99 Small four-door car 156
Kia Sephia 98-99 Small four-door car 148
Mitsubishi Mirage 97-99 Small two-door car 145
Mitsubishi Mirage 97-99 Small four-door car 145
Hyundai Elantra 97-99 Small four-door car 143
Acura Integra 97-99 Small four-door car 139
Relative average loss payment per claim
Dodge Viper 97-99 Small sports car 926
Porsche 911 Coupe 99 Small sports car 256
Chevrolet Corvette 98-99 Small sports convertible 233
Mercedes SL class 97-99 Small sports convertible 225
Audi A8 Quattro 97-99 Large luxury four-door car 225
Chevrolet Corvette 97-99 Small sports car 205
Jaguar XK8 97-99 Midsize sports convertible 193
Jaguar XK8 97-99 Midsize sports car 191
Mercedes CLK class 99 Midsize sports convertible 184
Porsche 911 99 Small sports convertible 181
LWB = long wheelbase

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