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Factors Impacting Physical 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.

 

2014 ISO Comprehensive & Collision Symbols and Vehicle Descriptions

Comp

Coll

Car Description

6

15

Chevrolet Silverado 1500 Regular Cab 2-Door Pickup 4x2 5.3L/8-cyl

7

16

GMC Sierra 1500 Regular Cab 2-Door Pickup 4x2 5.3L/8-cyl

10

12

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

10

10

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

12

20

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

12

5

Nissan Xterra 4-Door Utility 4x2 4.0L/6-cyl

13

11

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

13

01

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

14

11

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

15

11

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

15

3

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

18

10

Honda CR-V EX 4-Door Utility  4x2 2.4L/4-cyl

18

21

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

19

25

Buick Lacrosse 4-Door Sedan 3.6L/6cyl

19

25

Volkswagen Jetta 4-Door Sedan 2.5L/5-cyl

20

21

Toyota Tundra Regular Cab 2-Door Pickup 4x4 5.7L/8-cyl

21

15

Chrysler Town & Country Touring 4-Door Wagon 4x2 3.6L/6-cyl

21

31

Honda Civic EX 4-Door Sedan 1.8L/4-cyl

21

24

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

21

23

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

22

34

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

22

12

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

22

37

Hyundai Accent SE  4-Door Hatchback 1.6L/4 cyl

22

8

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

22

25

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

23

25

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

23

29

Toyota Camry L/LE/SE/XLE 4-Door Sedan 2.5L/4-cyl

23

31

Toyota Corolla L/Le/Plus/Premium; S/Plus/Premium 4-Door Sedan 1.8L/4-cyl

24

22

Chevrolet Malibu LS 4-Door Sedan 2.5L/4cyl

24

27

Hyundai Elantra SE/Limited 4-Door Sedan 1.8L/4-cyl

24

26

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

25

30

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

25

31

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

25

24

Nissan Cube S/SL 4-Door Wagon 4x2  1.8L/4 cyl

27

22

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

30

26

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

30

31

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

31

24

Honda Accord EX 4-Door Sedan 3.5L//6-cyl

31

21

Toyota Venza 4-Door LE/XLE/Limited 4x2 3.5L/6-cyl

32

26

Chrysler Town & Country Ltd 4-Door Wagon 4x2 3.6L/6-cyl

32

28

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

35

19

Nissan Armada 4-Door Utility 4x2 5.6L/8-cyl

44

36

Acura TL AWD 4-Door Sedan  3.7L/6-cyl

44

50

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

48

42

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

48

47

Lexus IS 250/Sport AWD 4-Door Sedan 2.5L/6-cyl

49

28

Land Rover LR4 HSE AWD 4-Door Utility 4x4 3.0L/6-cyl

50

46

Infiniti Q50 4-Door Sedan 3.7L/6-cyl

50

42

Volvo S80 T6 AWD 4-Door Sedan 3.0L/6cyl

56

49

Nissan Maxima S/SV 4-Door Sedan 3.5L/6-cyl

59

57

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

59

62

Porsche 911 Carrera Base 4 AWD/2WD  2-Door Coupe 3.4L/6-cyl

68

71

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

71

66

Mercedes-Benz S550 4-Door Sedan 4.6L/8-cyl

 

 

* ISO is the Insurance Services Office, Inc.

 

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