Auto Insurance

Auto Insurance Need to Know

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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.

2019 ISO Comprehensive & Collision Symbols and Vehicle Descriptions

Comp

Coll

Vehicle Description

16

04

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

16

12

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

16

12

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

18

14

Ford Escape 4-Door Utility 4x2 2.5L/4-cyl

18

18

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

20

16

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

21

36

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

22

02

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

22

23

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

24

12

Toyota Highlander 4-Door Utility 4x2 2.7L/4-cyl

24

17

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

24

28

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

24

32

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

25

17

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

25

21

Hyundai SantaFe XL 4-Door Utility 4x2 3.3 L/ 6-cyl

26

20

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

26

39

Hyundai Sonata 4-Door Sedan 2.4L/4-cyl

27

39

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

27

40

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

27

42

Nissan Versa Note Hatchback 4-Door 1.6L/4 cyl

27

42

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

28

10

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

28

24

Ford Explorer 4-Door Utility 4x2 3.5L/6-cyl

28

38

Chevrolet Malibu 4-Door Sedan 1.5L/4cyl

29

27

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

29

35

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

31

18

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

32

36

Ford Taurus 4-Door Sedan 3.5L/6-cyl

33

18

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

33

38

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

34

32

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

35

18

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

35

33

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

37

34

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

38

29

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

39

35

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

39

42

Acura TLX 4-Door Sedan  3.5L/6-cyl

39

46

Buick Lacrosse 4-Door Sedan 3.6L/6cyl

42

22

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

42

65

Cadillac CTS-V 4-Door Coupe 6.2L/8-cyl

46

38

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

54

63

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

55

58

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

56

59

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

58

56

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

58

58

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

61

64

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

67

72

Jaguar XJRL 4-Door Sedan 5.0L/8-cyl

74

66

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

* ISO is the Insurance Services Office, Inc.