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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.


2016 ISO Comprehensive & Collision Symbols and Vehicle Descriptions

Comp

Coll

Vehicle Description

11

12

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

12

13

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

14

10

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

14

21

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

16

2

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

16

8

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

17

12

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

18

4

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

18

20

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

19

18

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

19

28

Buick Lacrosse 4-Door Sedan 3.6L/6cyl

20

18

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

20

30

Nissan Juke S/SV/SL 4-Door Utility 4x2  1.6L/4 cyl

21

13

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

22

10

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

22

19

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

23

27

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

23

33

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

23

35

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

24

27

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

24

28

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

24

30

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

24

37

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

25

26

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

25

36

Volkswagen Jetta 4-Door Sedan 2.0L/4-cyl

27

21

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

27

23

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

27

25

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

27

31

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

27

31

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

27

40

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

29

21

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

29

26

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

30

25

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

31

32

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

31

32

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

32

31

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

33

28

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

34

20

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

39

16

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

46

43

Acura TLX 4-Door Sedan  3.5L/6-cyl

47

45

Volvo S80 T5 4-Door Sedan 2.0L/4cyl

50

26

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

53

61

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

53

64

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

58

62

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

59

57

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

62

68

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

67

71

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

72

66

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


* ISO is the Insurance Services Office, Inc.

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Updated 06/22/2017

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