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Factors Impacting Damage Coverage Premiums

Premiums charged for physical damage coverages (collision and comprehensive) are based on the estimated cost of future claims for damage to, or loss of, the vehicle. Accordingly, higher-priced cars generally cost more to insure. In addition, repair cost, theft record, and the nature of damage a particular vehicle may incur in a crash impact the cost of insuring a particular vehicle. For example, vehicle A, which might be more expensive than vehicle B, may cost less to insure if it has a record of exhibiting less severe damage in crashes, or if it is stolen less frequently, when compared to vehicle B.

All new vehicles sold in New York State must have a "bumper-quality" sticker, specifying the maximum speed at which the vehicle would sustain no body damage and only minimal damage to the bumper and attachment hardware. This information can be useful, as vehicle damageability is a key factor in determining insurance costs.

Insurability will be higher, and physical damage insurance premiums will be lower, if your car has a good physical damage rating, relative to other makes and models. This rating reflects a car's strength and safety characteristics as well as its reparability and auto theft record.

Illustrations of the relative cost of insuring certain vehicles are set forth on the following page. This listing has been compiled from the Insurance Services Office, Inc. (ISO) Rating Symbol program, which may be utilized by many auto insurers in New York. In 2011, ISO revised its Rating Symbol program from a 27 Symbol program to a 75 Symbol program for 2011 and subsequent model vehicles. At the same time, ISO also introduced the use of separate symbols for the collision and comprehensive coverages reflecting the differing loss experience between the two coverages. It should be noted that these collision and comprehensive symbols are subject to change periodically. Please also be aware that the following is only a sample listing of vehicles. In any case, you may wish to check with your insurance representative for an insurance cost quote on a particular vehicle before purchasing one.

Higher symbol numbers reflect greater claim cost and, therefore, higher premiums.

2020 ISO Comprehensive & Collision Symbols and Vehicle Descriptions

Comp

Coll

Vehicle Description

15

01

Jeep Wrangler JL Unlimited AWD 4-Door Utility 4x4 3.6L/6-cyl

18

12

Honda Odyssey 4-Door Wagon 4x2 3.5L/6-cyl

19

17

Mazda MX-5 Miata 2-Door Convertible 2.0L/4-cyl

20

15

Ford Escape 4-Door Utility 4x2 1.5L/4-cyl

22

21

Jeep Compass 4-Door Utility 4x2 2.4L/4-cyl

22

02

Subaru Outback 2.5 I AWD 4-Door Utility 4x4 2.5L/4-cyl

22

37

Volkswagen Jetta 4-Door Sedan 1.4L/4-cyl

23

22

Hyundai Santa Fe 4-Door Utility 4x2 2.4L/4-cyl

24

22

Chevrolet Silverado 1500 LD Regular Cab 2-Door Pickup 4x2 4.3L/6-cyl

24

28

Honda Civic 4-Door Sedan 2.0L/4-cyl

25

17

GMC Sierra 1500 Double Cab 4-Door Pickup 4x2 5.3L/8-cyl

25

6

Honda CR-V 4-Door Utility  4x2 1.5L/4-cyl

25

18

Jeep Grand Cherokee 4-Door Utility 4x2 3.6L/6-cyl

25

43

Nissan Versa 4-Door Sedan 1.6L/4-cyl

26

38

Toyota Corolla 4-Door Sedan 1.8L/4-cyl

27

42

Chevrolet Camaro 2-Door Coupe 3.6L/6-cyl

27

39

Hyundai Accent 4-Door Sedan 1.6L/4-cyl

27

39

Hyundai Elantra 4-Door Sedan 2.0L/4-cyl

27

15

Toyota Highlander 4-Door Utility 4x2 3.5L/6-cyl

28

38

Chevrolet Malibu 4-Door Sedan 1.5L/4cyl

28

22

Dodge Grand Caravan 4-Door Wagon 4x2 3.6L/6-cyl

29

35

Nissan Pathfinder 4-Door Utility 4x2 3.5L/6-cyl

31

29

Toyota Sienna 4-Door Wagon 4x2 3.5L/6-cyl

32

18

Toyota Tundra Double Cab 4-Door Pickup 4x2 5.7L/8-cyl

34

22

Chrysler Pacifica 4-Door Wagon 4x2 3.6L/6-cyl

34

18

Ford F-150 Regular Cab 2-Door Pickup 4x4 5.0L/8-cyl

34

46

Hyundai Sonata 4-Door Sedan 2.5L/4-cyl

34

31

Toyota Camry 4-Door Sedan 2.5L/4-cyl

35

27

Mini Cooper S 2-Door Hatchback 2.0L/4-cyl

35

40

Nissan Altima 4-Door Sedan 2.5L/4-cyl

36

35

Kia Soul 4-Door Wagon 4x2 1.6L/4-cyl

38

43

Ford Fusion 4-Door Sedan 1.5L/4-cyl

39

42

Acura TLX 4-Door Sedan 3.5L/6-cyl

39

39

Toyota Prius 4-Door Hatchback 1.8L/4-cyl

40

41

Chevrolet Impala 4-Door Sedan 3.6L/6-cyl

42

41

Mitsubishi Outlander 4-Door Utility 4x2 2.4L/4-cyl

47

22

Acura MDX AWD 4-Door Utility 4x4 3.5L/6-cyl

50

39

Honda Accord 4-Door Sedan 2.0L/4-cyl

52

61

Lexus IS 350 AWD 4-Door Sedan 3.5L/6-cyl

54

61

Cadillac CT5-V 4-Door Sedan 3.0L/6-cyl

54

52

Ford Explorer Hybrid 4-Door Utility 4x2 3.3L/6-cyl

55

54

Volvo S90 T6 AWD 4-Door Sedan 2.0L/4cyl

56

56

Infiniti Q50 4-Door Sedan 3.0L/6-cyl

56

62

Jaguar XF 4-Door Sedan 2.0L/4-cyl

58

57

Land Rover Discovery AWD 4-Door Utility 4x4 3.0L/6-cyl

59

58

Land Rover Range Rover Sport AWD 4-Door Utility 4x4 3.0L/6-cyl

62

66

Porsche 911 Carrera Base 2WD 2-Door Coupe 3.0L/6-cyl

74

66

Mercedes-Benz S560 4-Door Sedan 4.0L/8-cyl

* ISO is the Insurance Services Office, Inc.