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Insurance losses by make and model

The tables below contain results for hundreds of passenger vehicles grouped by class and size under six insurance coverages: collision, property damage liability, comprehensive, personal injury protection, medical payment and bodily injury.

See auto insurance basics for definitions of these insurance terms and to learn more about how auto insurance works.

  • Substantially better
  • Better than average
  • Average
  • Worse than average
  • Substantially worse
  • Insufficient data available

About these numbers

All results are stated in relative terms, with 100 representing the average for all vehicles under a given coverage type. For example, a result of 122 is 22 percent worse than average, and 96 is 4 percent better than average. The colors also indicate how each model compares with all other vehicles.

Vehicles are displayed with others from the same size and class. Similar models can generally be expected to have similar losses. These tables help consumers identify vehicles whose results are substantially better or worse than others like them.

Results for collision, property damage liability and comprehensive represent overall losses, which reflect both the frequency of claims and the average loss payment per claim. Results for injury coverages represent claim frequency only. Included claims date from the first sales of a vehicle through the beginning of the calendar year that follows the last year in the model year spread. For example, data for 2011-13 models include losses through early 2014.

The results are adjusted to reduce possible distortions from other nonvehicle factors — operator age, calendar year, density, gender, marital status, model year, risk (standard or nonstandard) and state. Collision and comprehensive also are adjusted for deductible amount.

These insurance loss results generally are good predictors of the experience of current versions of the same vehicle models. However, when automakers substantially redesign their vehicles, the experience of an earlier model with the same name may not predict the experience of the newer design.

Why can't I find insurance loss data for new models?

It takes considerable time to gather and tabulate the real-world data needed to provide statistically significant results for new models. Complete vehicle registration data for each model year typically are released about two years later, and data on fatalities are first available approximately nine months after the end of the calendar year. Similarly, it takes time to amass sufficient insurance claims information to provide meaningful results for a range of vehicles. For vehicles that have not been fundamentally redesigned, previous model year results are good predictors of the current model's experience.

Results for model year
Vehicle Collision Property damage Compre-
hensive
Personal
injury
Medical
payment
Bodily
injury
Best and worst vehicles for
coverage,
models

Lowest :

VehicleVehicle size and class

Highest :

VehicleVehicle size and class

Archival results (1989-2005) in PDF format

These earlier model year results are not directly comparable to newer model year results due to changes in computation methods. Earlier model year results used a standardization procedure that included only two values for age and two values for deductible — high and low — and did not include any of the other data elements used in later model years.

To download an archived report, choose a model year range

 

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