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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.

 

2015 ISO Comprehensive & Collision Symbols and Vehicle Descriptions

Comp

Coll

Car Description

41

27

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

49

51

Acura TLX AWD 4-Door Sedan    3.5L/6-cyl

19

28

Buick Lacrosse 4-Door Sedan 3.6L/6cyl

52

61

Cadillac CTS-V 2-Door Coupe 6.2L/8-cyl

24

37

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

12

21

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

28

22

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

7

16

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

21

16

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

28

23

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

16

16

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

22

12

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

27

20

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

32

31

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

27

30

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

8

17

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

32

26

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

20

28

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

18

10

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

14

11

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

23

35

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

24

27

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

29

23

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

22

23

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

50

49

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

67

71

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

22

23

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

16

12

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

14

01

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

15

18

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

46

26

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

59

55

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

52

57

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

18

21

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

71

65

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

27

31

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

26

32

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

32

32

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

36

29

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

20

30

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

29

31

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

13

5

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

59

62

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

18

7

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

24

27

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

24

33

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

22

10

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

25

26

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

24

25

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

25

26

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

32

22

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

20

28

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

49

46

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

 

 

* ISO is the Insurance Services Office, Inc.

 

Shopping for Auto Insurance | Next Topic | Consumers - Insurance Products

Updated 07/21/2016

 

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