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DOT HS 812 039June 2014Comparison of Differences inInsurance Costs forPassenger Cars, Station Wagons,Passenger Vans, Pickups, andUtility Vehicles on the Basis ofDamage Susceptibility

DISCLAIMERThis publication is distributed by the U.S. Department of Transportation, NationalHighway Traffic Safety Administration, in the interest of information exchange.The opinions, findings, and conclusions expressed in this publication are those ofthe authors and not necessarily those of the Department of Transportation or theNational Highway Traffic Safety Administration. The United States Governmentassumes no liability for its contents or use thereof. If trade or manufacturers’ namesor products are mentioned, it is because they are considered essential to the objectof the publication and should not be construed as an endorsement. The UnitedStates Government does not endorse products or manufacturers.

U.S. Deportmentof Transportation1200 New Jersey Avenue, SEWash1ngton. DC 20590National HighwayTraffic SafetyAdministrationDear Prospective Purchaser:Attached please find a copy of the June 2014 Relative Collision Insurance Cost InformationBooklet provided by the National Highway Traffic Safety Administration, an agency of the U.S.Department of Transportation. Pursuant to NHTSA's regulation in Title 49 of the Code ofFederal Regulations, Part 582, Insurance Cost Information Regulation, NHTSA is required tomake available to prospective purchasers information regarding comparative insurance costs,based on damage susceptibility and crashworthiness, for makes and models of passenger cars,station wagons, passenger vans, pickups, and utility vehicles.As a result of Public Law 112-252 signed into law by Congress on January 10, 2013, therequirement for passenger motor vehicle dealers to distribute this information to prospectivebuyers was repealed. Therefore, dealerships are currently no longer responsible for reproducingand maintaining copies of the booklet in their showrooms for prospective purchasers of newvehicles. However, this booklet can still be downloaded and printed from the NHTSA Web siteat www.nhtsa.dot.gov/.From the NHTSA Web site, click on the "Vehicle Safety" tab, then choose the "Vehicle-RelatedTheft" category; on that page, under the "Additional Resources Panel," click on "2014Comparison of Insurance Costs."S incere y yours,r,() }) 0 . Kevin VincentChief CounselEnclosure

June 2014Comparison of Differences in Insurance Costs for Passenger Cars, Station Wagons, PassengerVans, Pickups, and Utility Vehicles on the Basis of Damage SusceptibilityThe National Highway Traffic Safety Administration has provided the information in thisbooklet in compliance with Federal law as an aid to consumers considering the purchase of newvehicles. The booklet compares differences in insurance costs for different makes and models ofpassenger cars, station wagons, passenger vans, pickups, and utility vehicles on the basis of damagesusceptibility for the vehicle. 1 However, it does not indicate a vehicle's relative safety foroccupants.The following table contains the best available information regarding the effect of damagesusceptibility on insurance premiums. It was taken from data compiled by the Highway Loss DataInstitute (HLDI) in its December 2013 Insurance Collision Report, and reflects the collision lossexperience of passenger cars, station wagons, passenger vans, pickups, and utility vehicles sold inthe United States in terms of the average loss payment per insured vehicle year for model years2011-2013. NHTSA has not verified the data in this table.The table presents vehicles' collision loss experience in relative terms, with 100 representingthe average for all passenger vehicles. Thus, a rating of 122 reflects a collision loss experiencethat is 22 percent higher (worse) than average while a rating of 96 reflects a collision lossexperience that is 4 percent lower (better) than average. The table is not relevant for modelsthat have been substantially redesigned for 2013, and it does not include information about modelswith insufficient claim experience.1This booklet reflects the vehicle groupings as revised by HLDI since implementation of NHTSA’s final rule (See 60 FR15509, March 24, 1995)1

Although many insurance companies use the HLDI information to adjust the "base rate" forthe collision portion of their insurance premiums, the amount of any such adjustment is usuallysmall. It is unlikely that your total premium will vary more than 10 percent depending upon thecollision loss experience of a particular vehicle. If you do not purchase collision coverage or yourinsurance company does not use the HLDI information, your premium will not vary at all in relationto these rankings.In setting insurance premiums, insurance companies mainly rely on factors that are notdirectly related to the vehicle itself (except for its value). They mainly consider drivercharacteristics (such as age, gender, marital status, and driving record), the geographic area inwhich the vehicle is driven, how many miles are traveled, and how the vehicle is used. However,some companies adjust their premiums for personal injury protection and medical paymentcoverage if the insured vehicle has features that are likely to improve its crashworthiness, or abilityto protect occupants from injury or death, such as air bags. Different insurance companies oftencharge different premiums for the same driver and vehicle. Therefore, to obtain completeinformation about insurance premiums, you should contact insurance companies or their agentsdirectly.Test data relating to vehicle crashworthiness is available from NHTSA’s 5 Star SafetyRatings program. The program provides comparative information on the safety of new vehicles toassist consumers with vehicle purchasing decisions. Every year, the 5 Star Safety Ratings programrates selected new vehicles for frontal and side crashworthiness and rollover resistance. Beginningin 2010, vehicles that are equipped with three recommended advanced crash avoidance technologiesthat help drivers avoid crashes and meet the performance requirements set forth under the programare given credit on the agency’s Web site, www.SaferCar.gov. Information on vehicles thatNHTSA has tested under the 5 Star Safety Ratings program can be obtained from a new vehicle’s2

price sticker (known as the Monroney label), by calling the agency’s toll-free Auto Safety Hotlineat 888-327-4236, and through the Web site at www.SaferCar.gov.3

Collision Insurance LossesModel Years 2011 – 2013 Passenger Motor VehiclesMicro CarsMakeRelative Average LossPayment per InsuredVehicle YearModel792-door modelsSmartSmartScionForTwo convertibleForTwoiQ596898Mini CarsMakeRelative Average LossPayment per InsuredVehicle YearModel892-door modelsFiatFiatMiniMiniMiniMiniMiniToyota500 convertible500Cooper convertibleCooper Roadster convertibleCooper ClubmanCooperCooper CoupeYaris1134-door SparkYaris hatchbackAccent105106108110112113Station 0010179Sports modelsMazda67777987919599114MX-5 Miata convertible478

Small CarsMakeRelative Average LossPayment per InsuredVehicle YearModel1242-door swagenScionNew Beetle ConvertibleVeloster turboCivicVelosterGolfNew BeetleCR-Z hybridForteElantraCivic SiGTItCBRZGolf R 4WDFR-S1074-door 1126137138143181196210CruzeLeaf electricElantra GTCivicILXCivic hybridPrius hybridElantraGolfJuke 4WDSonicImpreza 4WDDartJukeInsight hybrid3VoltForteLancer hatchbackCivic SiFocusPrius plug-in hybridSentraCorollaVersaGTIPrius C 109110113114116116117119119121123

hiSX4LancerGolf R 4WDImpreza WRX 4WDLancer 4WDLancer Evolution 4WD97Station MazdaSubaruXV CrosstekMatrix 4WDCountryman 2WDSonicxBC-Max hybridForteSoulCountryman 4WD3xDImpreza 4WDSX4 4WDPrius V hybridCubeFocusMatrixSX43 MazdaspeedImpreza WRX 35154Sports 00260Z4 convertibleSLK class convertibleBoxster convertibleTT convertible 4WDTT 2dr 4WD130133135165196Midsize Cars1282-door modelsChryslerVolvoVolkswagenHondaHyundai200 convertibleC30Eos convertibleAccordGenesis85971091231871054-door enFordLegacy with Eyesight 4WDMalibuLegacy 4WDAccordVerano6PassatFusion 4WD684878889969798100

imaOptimaFusion hybridCamry hybridMaximaCCKizashiOptima hybridKizashi 4WDSonata hybridCC 914020179Station ack with Eyesight 4WDOutback 4WD5TSXJettaA3A3 4WD139Sports rschePorscheNissanFerrariFerrariCorvette 2drMustang GT convertibleMustang Shelby GT500 convertibleMustang convertibleCorvette convertibleMustang GT 2dr370Z convertibleMustang 2drCorvette Z06 2drCorvette ZR1 2dr911 Turbo 2dr 4WDSL class convertibleMustang Shelby GT500 2dr370Z 2dr911 Carrera 2dr911 Carrera convertibleGT-R 2dr 4WDCalifornia convertible458 Italia 8427546141Luxury Z 4drTL 4dr1 series convertibleTL 4dr 4WDIS 350 convertible7789799101105

exusBMWBMWS60 4drCT 200h hybrid 4drS60 4dr 4WDES 350 4drATS 4drG37 4drA4 Allroad station wagon 4WDATS 4dr 4WD3 series 4drA5 convertible1 series 2drIS 350 4dr 4WDG37 convertibleG37 4dr 4WDES 300h hybrid 4drIS 250 4dr 4WD3 series convertible3 series 4dr 4WDA4 4dr 4WDIS 250 convertibleIS 250 4drC class 4drA5 convertible 4WDC class 4dr 4WD3 series 2dr 4WDG37 2drA4 4drS5 convertible 4WDG37 2dr 4WDA5 2dr 4WDC class 2dr3 series 2drIS 350 4drS5 2dr 4WDS4 4dr 4WDIS-F 4drM3 convertibleM3 97200220237238297Large CarsMakeRelative Average LossPayment per InsuredVehicle YearModel1522-door modelsDodgeDodgeChallenger SRT-8Challenger1044-door lImpalaLaCrosseAvalonTaurusLaCrosse 4WD919394971031048

lerToyotaFordDodgeDodge300 4WDTaurus 4WDAzera300Charger 4WDCharger HEMI 4WD300 HEMI300 HEMI 4WDAvalon hybrid 4drTaurus SHO 4WDChargerCharger HEMI144Sports aguarChevroletMaseratiPorscheMaseratiCamaro convertibleCamaro 2drXK 2drXKR convertiblePanamera 4drXK convertibleXKR 2drCamaro ZL1 2drGranturismo 2drPanamera turbo 4dr 4WDGranturismo ry TS station wagon 4WDXC70 station wagonXC70 station wagon 4WDCTS station wagonCTS 4drC70 convertibleS80 4drCTS 4dr 4WDS80 4dr 4WDCTS 2drM37 4drCTS 2dr 4WDGenesis 4dr5 series 4drM37 4dr 4WDE class convertibleE class 4dr5 series 4dr 4WDGS 350 4drM56 4dr 4WDE class 4dr 4WDXF 4drE class station wagon 4WD6 series convertibleA6 4drCTS-V 2drM56 4drGS 350 4dr 4WDXJ 5146153154155167171172173177181182182

BenzA6 4dr 4WDE class 2drCTS-V 4drM5 4drCL class 2dr 4WDA7 4dr 4WDModel S 4dr electric6 series 2drCLS class 4drXJ 4dr (Long wheel base)CLS class 4dr 4WD6 series convertible 4WD6 series 4drSLS class 2dr184186217222225231236239262267272284289304Very Large CarsMakeRelative Average LossPayment per InsuredVehicle YearModel91Station aTown & Country ( Long wheel base)Grand CaravanOdysseyQuestSiennaSienna 4WD189Luxury 97104112XTS 4dr 4WDMKS 4drXTS 4dr535 i GT 4dr 4WD535 i GT 4drMKS 4dr 4WDMKS Ecoboost 4dr 4WDLS 460 4drEquus 4dr7 series 4dr7 series 4dr (Long wheel base)LS 460 4dr 4WD7 series 4dr 4WDLS 460 L 4drLS 460 L 4dr 4WDA8 4dr 4WD7 series 4dr 4WD (Long wheel base)S class 4drS class 4dr 4WDA8L 4dr 4WDContinental GTC convertibleQuattroporte 4drContinental GT 214225240260298394404517

PickupsMakeRelative Average LossPayment per InsuredVehicle YearModel8676(All Pickups)(All Small Pickups)682-door modelsToyotaToyotaTacoma 4WDTacoma6276732-door plus modelsNissanToyotaToyotaNissanFrontier ext. cab 4WDTacoma xtra cabTacoma xtra cab 4WDFrontier ext. cab794-door yotaFrontier crew cab (Short wheel base)Tacoma double cab (Long wheel base)Frontier crew cab (Long wheel base)Frontier crew cab (Short wheel base) 4WDTacoma double cabFrontier crew cab (Long wheel base) 4WDTacoma double cab (Long wheel base) 4WDTacoma double cab 4WD752-door modelsF-150 4WDF-150Ram 1500 (Long wheel base)Ram 1500 (Long wheel base) 4WDRam 1500 (Short wheel base) 4WDSilverado 1500 4WDSierra 1500Silverado 1500Ram 1500 (Short wheel base)Sierra 1500 4WD60616161687376798889852-door plus 79838587(All Large etDodgeGMC69737481F-150 super cabF-150 super cab 4WDTitan ext. cab 4WDTitan ext. cabRam 1500 ext. cabSilverado 1500 ext. cab 4WD11717176848788