Home » News » 1997 » Article
HLDI News | September 18, 1997Subscribe

Comparative driver death rates, insurance claims information on hundreds of vehicles show very wide variations in performance

ARLINGTON, Va. — Among 1991-95 models, the Chevrolet Camaro is the passenger vehicle with the most driver deaths per 10,000 registered vehicle years. The Camaro's driver death rate during calendar years 1992-96 was almost 3 times as high as the average. Other vehicles with very high death rates are the Geo Tracker (small SUV), Pontiac Firebird (essentially the Camaro's twin), and two-door Hyundai Scoupe (small car). These three vehicles have fatality rates at least 2-1/2 times the average rate for all passenger vehicles.

Patterns of death rates, insurance claims experience

"The overinvolvement in fatal single-vehicle crashes of the Camaro, Tracker, and Firebird is a big contributor to the high death rates in these vehicles," Insurance Institute for Highway Safety President Brian O'Neill explains. "But in the case of the Scoupe, the high death rate is driven even more by its overinvolvement in fatal multiple-vehicle crashes." The new study was conducted by the Institute, which has published comparisons of passenger vehicle death rates by make and model since 1989.

O'Neill adds that "this pattern runs throughout the fatality rates. Sports cars and small SUVs typically have very high single-vehicle death rates. Small cars typically have high multiple-vehicle death rates."

Small cars also have poor insurance claims experience for both injuries and vehicle damage, but sports cars and SUVs tend to have injury claims results that are about average. Sports cars also typically have poor damage claims experience.

The Insurance Institute for Highway Safety computed driver death rates for 141 passenger vehicles, 1991-95 models during the calendar period 1992-96. In addition, the Highway Loss Data Institute compared insurance injury, vehicle damage, and theft claims experience for 236 passenger vehicles, all 1994-96 models. The lists of vehicles in the two reports aren't identical because the studies include different model years during different periods of study. Together, these reports give consumers important new information to use when shopping for cars and other passenger vehicles.

Wide variation in results, even among vehicles in same style/size groups

"An important finding in both reports is the huge variation in the rates of both driver deaths and insurance claims for injuries," O'Neill explains. "The variation doesn't apply just to the best and worst vehicles overall. Even when you look at vehicles grouped by body style and size, there still are very large differences between the ones with the lowest and highest rates."

Among midsize four-door cars, for example, the Lexus ES 300 and Volvo 850 have relative overall driver death rates of about 30, which is much lower than the average for all passenger vehicles included in the Institute's study (100 represents the average, so a result of 30 is 70 percent better than average). But the Dodge Neon's relative rate of 187 is more than six times as high — and nearly twice as high as the all-vehicle average. The Neon also has poor injury claims experience. It should be noted, however, that the Neon is one of the smaller cars classified as midsize.

The vehicles with the lowest death rates tend to be passenger vans and station wagons, large four-door cars, and large SUVs.

©1996-2018, Insurance Institute for Highway Safety, Highway Loss Data Institute | www.iihs.org