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.
2025 Comprehensive & Collision Symbols and Vehicle Descriptions
| Comp | Coll | Vehicle Description |
|---|---|---|
| 30 | 25 | Acura RDX AWD 4-Door Utility 4x4 2.0L/4-cyl |
| 56 | 47 | Acura TLX 4-Door Sedan 2.0L/4-cyl |
| 59 | 59 | Audi A6 2.0T Hybrid Quattro 4-Door Sedan 2.0L/4-cyl |
| 53 | 58 | Cadillac CT5 4-Door Sedan 2.0L/4-cyl |
| 46 | 46 | Chevrolet Corvette 2-Door Convertible 6.2L/8-cyl |
| 40 | 42 | Chevrolet Malibu 4-Door Sedan 1.5L/4cyl |
| 28 | 25 | Chevrolet Silverado 1500 Regular Cab 2-Door Pickup 4x2 5.3L/8-cyl |
| 37 | 24 | Chrysler Pacifica 4-Door Wagon 4x2 3.6L/6-cyl |
| 49 | 32 | Dodge Durango 4-Door Utility 4x2 3.6L/6-cyl |
| 25 | 32 | Ford Escape 4-Door Utility 4x2 1.5L/3-cyl |
| 44 | 36 | Ford Explorer AWD 4-Door Utility 4x4 3.0L/6-cyl |
| 33 | 26 | Ford F-150 Regular Cab 2-Door Pickup 4x2 5.0L/8-cyl |
| 33 | 31 | GMC Sierra 1500 Double Cab 4-Door Pickup 4x2 5.3L/8-cyl |
| 43 | 44 | Honda Accord 4-Door Sedan 1.5L/4-cyl |
| 30 | 45 | Honda Civic 4-Door Sedan 2.0L/4-cyl |
| 33 | 22 | Honda CR-V 4-Door Utility 4x2 1.5L/4-cyl |
| 31 | 34 | Honda Odyssey 4-Door Wagon 4x2 3.5L/6-cyl |
| 36 | 48 | Hyundai Elantra 4-Door Sedan 2.0L/4-cyl |
| 46 | 48 | Hyundai Ioniq 6 4-Door Sedan (EV) |
| 40 | 39 | Hyundai Santa Fe 4-Door Utility 4x2 2.5L/4-cyl |
| 47 | 54 | Hyundai Sonata 4-Door Sedan 2.5L/4-cyl |
| 44 | 49 | Infiniti QX60 4-Door Utility 4x2 3.5L/6-cyl |
| 15 | 27 | Jeep Compass AWD 4-Door Utility 4x4 2.0L/4-cyl |
| 33 | 18 | Jeep Grand Cherokee 4-Door Utility 4x2 3.6L/6-cyl |
| 18 | 16 | Jeep Wrangler JL Unlimited Hybrid AWD 4-Door Utility 4x4 2.0L/4-cyl |
| 50 | 55 | Kia EV6 4-Door Utility (EV) |
| 52 | 64 | Kia K4 4-Door Sedan 1.6L/4-cyl |
| 29 | 29 | Kia Soul 4-Door Wagon 4x2 2.0L/4-cyl |
| 58 | 55 | Land Rover Discovery AWD 4-Door Utility 4x4 2.0L/4-cyl |
| 65 | 60 | Land Rover Range Rover Sport Hybrid AWD 4-Door Utility 4x4 3.0L/6-cyl |
| 57 | 59 | Lexus IS 350 AWD 4-Door Sedan 3.5L/6-cyl |
| 26 | 19 | Mazda MX-5 Miata 2-Door Convertible 2.0L/4-cyl |
| 73 | 68 | Mercedes-Benz S580 Hybrid 4-Door Sedan AWD 4.0L/8-cyl |
| 38 | 28 | Mini Cooper 2-Door Hatchback 2.0L/4-cyl |
| 57 | 51 | Mitsubishi Outlander Sport AWD 4-Door Utility 4x4 2.0L/4-cyl |
| 43 | 47 | Nissan Altima 4-Door Sedan 2.5L/4-cyl |
| 35 | 48 | Nissan Leaf 4-door Hatchback (EV) |
| 28 | 29 | Nissan Rogue 4-Door Utility 4x2 1.5L/3-cyl |
| 31 | 54 | Nissan Versa 4-Door Sedan 1.6L/4-cyl |
| 69 | 67 | Porsche 911 Carrera 2-Door Coupe 3.0L/6-cyl |
| 26 | 10 | Subaru Outback 2.5 I AWD 4-Door Utility 4x4 2.5L/4-cyl |
| 43 | 57 | Tesla Model 3 4-Door Sedan (EV) |
| 45 | 47 | Toyota Camry Hybrid 4-Door Sedan 2.5L/4-cyl |
| 40 | 43 | Toyota Corolla 4-Door Sedan 2.0L/4-cyl |
| 45 | 38 | Toyota Highlander 4-Door Utility 4x2 2.4L/4-cyl |
| 43 | 47 | Toyota Prius 4-Door Hatchback 2.0L/4-cyl |
| 46 | 39 | Toyota Sienna Hybrid 4-Door Wagon 4x2 2.5L/4-cyl |
| 43 | 27 | Toyota Tundra Double Cab 4-Door Pickup 4x2 3.4L/6-cyl |
| 29 | 40 | Volkswagen Jetta 4-Door Sedan 1.5L/4-cyl |
| 60 | 59 | Volvo S90 Hybrid B6 AWD 4-Door Sedan 2.0L/4-cyl |
* ISO is the Insurance Services Office, Inc.