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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.

 

2013  ISO Comprehensive & Collision Symbols and Vehicle Descriptions

Comp

Coll

Car Description

7

13

GMC Sierra 1500 Regular Cab 2-Door Pickup 4x2 4.8L/8-cyl

7

12

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

8

6

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

23

20

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

23

19

Ford Escape XLS 4-Door Utility 4x2 2.5L/4-cy

10

10

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

7

5

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

13

2

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

13

13

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

15

21

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

14

7

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

17

17

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

15

12

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

17

20

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

18

24

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

17

22

Buick Lacrosse 4-Door Sedan 3.6L/6cyl

25

31

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

17

19

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

33

29

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

20

12

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

20

12

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

22

25

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

24

8

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

19

19

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

24

26

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

23

24

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

25

28

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

24

18

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

24

35

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

27

29

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

33

29

Hyundai Santa FE GLS  4-Door Utility 4x2 3.3 L/ 6-cyl

25

30

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

30

31

Nissan Altima Base/S/SR 4-Door Sedan 2.5L/4-cyl

30

22

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

29

31

Hyundai Elantra GLS/Elantra LTD 4-Door Sedan 1.8L/4-cyl

30

27

Mini Cooper S 2-Door Hatchback 1.6L/4-cyl

29

27

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

30

12

Acura MDX AWD 4-Door Utility 4x4 3.7L/6-cyl

31

23

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

31

24

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

31

23

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

33

24

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

34

39

Chevrolet Corvette  LT 2-Door Convertible 6.2L/8-cyl

38

49

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

42

36

Acura TL AWD 4-Door Sedan  3.7L/6-cyl

43

44

Infiniti G37 4-Door Sedan 3.7L/6-cyl

46

37

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

46

55

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

49

34

Land Rover LR4 HSE AWD 4-Door Utility 4x4 5.0L/8-cyl

55

51

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

59

47

Land Rover Range Rover Sport HSE AWD 4-Door Utility 4x4 5.0L/8-cyl

64

67

Jaguar XKR 4-Door Seadn 5.0L/8-cyl

58

60

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

98

98

Mercedes-Benz S600 4-Door Sedan 5.5L/12-cyl

* ISO is the Insurance Services Office, Inc.

 

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