Auto Insurance

Auto Insurance Need to Know


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.

2017 ISO Comprehensive & Collision Symbols and Vehicle Descriptions



Vehicle Description

15 7 Honda Odyssey LX 4-Door Wagon 4x2 3.5L/6-cyl
16 2 Jeep Wrangler Unlimited Sport 4-Door Utility 4x4 3.6L/6-cyl
17 14 Chevrolet Silverado 1500 Regular Cab 2-Door Pickup 4x2 5.3L/8-cyl
18 8 GMC Sierra 1500 Regular Cab 2-Door Pickup 4x2 5.3L/8-cyl
19 13 Ford Escape S 4-Door Utility 4x2 2.5L/4-cyl
19 18 Kia Soul 4-Door Wagon 4x2 1.6L/4-cyl
19 1 Subaru Outback 2.5 AWD 4-Door Utility 4x4 2.5L/4-cyl
20 13 Jeep Grand Cherokee Laredo 4-Door Utility 4x2 3.6L/6-cyl
20 32 Nissan Juke S/SV/SL 4-Door Utility 4x2  1.6L/4 cyl
23 11 Toyota Highlander Le/Le Plus 4-Door Utility 4x2 2.7L/4-cyl
24 18 Dodge Grand Caravan 4-Door Wagon 4x2 3.6L/6-cyl
24 36 Hyundai Accent Sport 4-Door Hatchback 2.6L/4 cyl
24 28 Hyundai Elantra SE/Limited 4-Door Sedan 2.0L/4-cyl
25 21 Hyundai SantaFe Limited 4-Door Utility 4x2 3.3 L/ 6-cyl
25 29 Mazda MX-5 Miata Grand Touring 2-Door Convertible 2.0L/4-cyl
25 27 Toyota Camry L/LE/SE/XLE 4-Door Sedan 2.5L/4-cyl
26 39 Hyundai Sonata SE 4-Door Sedan 2.4L/4-cyl
26 28 Jeep Compass Limited 4-Door Utility 4x4 2.4L/4-cyl
26 41 Toyota Corolla L/Le/Plus/Premium; S/Plus/Premium 4-Door Sedan 1.8L/4-cyl
27 21 Ford Explorer XLT 4-Door Utility 4x2 3.5L/6-cyl
27 33 Honda Civic EX 4-Door Sedan 2.0L/4-cyl
27 32 Nissan Pathfinder 4-Door Utility 4x2 3.5L/6-cyl
28 41 Chevrolet Camaro LT 2-Door Coupe 3.6L/6-cyl
28 31 Chevrolet Malibu LS 4-Door Sedan 2.5L/4cyl
28 26 Toyota Sienna Base/LE 4-Door Wagon 4x2 3.5L/6-cyl /Comp
28 42 Volkswagen Jetta 4-Door Sedan 1.4L/4-cyl
29 26 Honda CR-V EX 4-Door Utility 4x2 1.5L/4-cyl
29 30 Toyota Prius Two 4-Door Hatchback 1.8L/4-cyl
30 23 Toyota Tundra Regular Cab 2-Door Pickup 4x4 5.7L/8-cyl
31 33 Ford Taurus SE 4-Door Sedan 3.5L/6-cyl
31 32 Mitsubishi Outlander ES 4-Door Utility 4x2 2.4L/4-cyl
31 33 Nissan Altima 4-Door Sedan 2.5L/4-cyl
33 31 Chrylser Pacifica LX 4-Door Wagon 4x2 3.6L/6-cyl
34 30 Chevrolet Impala Limited LS 4-Door Sedan 3.6L/6-cyl
34 16 Ford F-150 Regular Cab 2-Door Pickup 4x4 5.0L/8-cyl
34 31 Mini Cooper S 2-Door Hatchback 2.0L/4-cyl
36 30 Honda Accord EX 4-Door Sedan 3.5L//6-cyl
40 14 Acura MDX AWD 4-Door Utility 4x4 3.5L/6-cyl
40 43 Buick Lacrosse 4-Door Sedan 3.6L/6cyl
46 43 Acura TLX 4-Door Sedan 3.5L/6-cyl
46 65 Cadillac CTS-V 4-Door Coupe 6.2L/8-cyl
52 50 Land Rover Discovery AWD 4-Door Utility 4x4 3.0L/6-cyl
53 57 Volvo S90 T5 4-Door Sedan 2.0L/4cyl
54 63 Lexus IS 350/Sport AWD 4-Door Sedan 2.5L/6-cyl
55 60 Infiniti Q50 4-Door Sedan 3.0L/6-cyl
60 59 Land Rover Range Rover Sport HSE AWD 4-Door Utility 4x4 3.0L/6-cyl
60 64 Porsche 911 Carrera Base 4 AWD/2WD 2-Door Coupe 3.4L/6-cyl
67 71 Jaguar XJR 4-Door Sedan 5.0L/8-cyl
72 66 Mercedes-Benz S550 4-Door Sedan 4.7L/8-cyl

* ISO is the Insurance Services Office, Inc.