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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.

2021 ISO Comprehensive & Collision Symbols and Vehicle Descriptions



Vehicle Description

20 15

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

21 12

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

21 23

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

21 21

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

21 13

Acura RDX AWD 4-Door Utility 4x4 2.0L/4-cyl

22 02

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

22 21

Hyundai Santa Fe 4-Door Utility 4x2 2.5L/4-cyl

23 37

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

23 20

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

24 13

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

24 05

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

25 17

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

26 43

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

27 22

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

27 38

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

27 15

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

27 19

Mini Cooper 2-Door Hatchback 1.5L/3-cyl

28 30

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

28 40

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

28 38

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

28 30

Nissan Rogue 4-Door Utility 4x2 2.5L/4-cyl

29 43

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

31 41

Chevrolet Malibu 4-Door Sedan 1.5L/4cyl

31 20

Dodge Durango 4-Door Utility 4x2 3.6L/6-cyl

31 23

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

32 20

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

34 48

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

35 32

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

36 27

Chevrolet Bolt EV 4-Door Hatchback

37 21

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

37 36

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

38 36

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

39 46

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

40 43

Acura TLX 4-Door Sedan 2.0L/4-cyl

40 43

Mitsubishi Outlander Sport 4-Door Utility 4x2 2.0L/4-cyl

42 40

Toyota Sienna Hybrid 4-Door Wagon 4x2 2.5L/4-cyl

47 62

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

50 39

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

51 57

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

54 61

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

54 52

Ford Explorer Hybrid AWD 4-Door Utility 4x4 3.3L/6-cyl

54 53

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

56 57

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

58 58

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

59 58

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

63 67

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

73 72

Mercedes-Benz S560 2-Door Convertible 4.0L/8-cyl

* ISO is the Insurance Services Office, Inc.