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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.

2024 ISO Comprehensive & Collision Symbols and Vehicle Descriptions

CompCollVehicle Description
3014Acura RDX AWD 4-Door Utility 4x4 2.0L/4-cyl
4643Acura TLX 4-Door Sedan 2.0L/4-cyl
5459Cadillac CT5-V 4-Door Sedan 3.0L/6-cyl
4052Chevrolet Camaro 2-Door Coupe 3.6L/6-cyl
3954Chevrolet Malibu 4-Door Sedan 1.5L/4cyl
2525Chevrolet Silverado 1500 LD Regular Cab 2-Door Pickup 4x2 5.3L/8-cyl
3230Chrysler Pacifica 4-Door Wagon 4x2 3.6L/6-cyl
4547Dodge Durango 4-Door Utility 4x2 3.6L/6-cyl
2726Ford Escape 4-Door Utility 4x2 1.5L/3-cyl
4238Ford Explorer AWD 4-Door Utility 4x4 3.3L/6-cyl
3120Ford F-150 Regular Cab 2-Door Pickup 4x4 5.0L/8-cyl
3125GMC Sierra 1500 Double Cab 4-Door Pickup 4x2 5.3L/8-cyl
4538Honda Accord 4-Door Sedan 1.5L/4-cyl
3036Honda Civic 4-Door Sedan 2.0L/4-cyl
3113Honda CR-V 4-Door Utility  4x2 1.5L/4-cyl
3024Honda Odyssey 4-Door Wagon 4x2 3.5L/6-cyl
3549Hyundai Elantra 4-Door Sedan 2.0L/4-cyl
4749Hyundai Ioniq 6 4-Door Sedan (EV)
3939Hyundai Santa Fe 4-Door Utility 4x2 2.5L/4-cyl
4761Hyundai Sonata 4-Door Sedan 2.5L/4-cyl
5858Infiniti Q50 4-Door Sedan 3.0L/6-cyl
5863Jaguar XF 4-Door Sedan 2.0L/4-cyl
1925Jeep Compass AWD 4-Door Utility 4x4 2.0L/4-cyl
3427Jeep Grand Cherokee 4-Door Utility 4x2 3.6L/6-cyl
1101Jeep Wrangler JL Unlimited Hybrid AWD 4-Door Utility 4x4 3.6L/6-cyl
4750Kia EV6 4-Door Utility (EV)
4459Kia Forte 4-Door Sedan 1.6L/4-cyl
2527Kia Soul 4-Door Wagon 4x2 2.0L/4-cyl
5754Land Rover Discovery AWD 4-Door Utility 4x4 2.0L/4-cyl
6361Land Rover Range Rover Sport Hybrid AWD 4-Door Utility 4x4 3.0L/6-cyl
5563Lexus IS 350 AWD 4-Door Sedan 3.5L/6-cyl
3132Mazda MX-5 Miata 2-Door Convertible 2.0L/4-cyl
7170Mercedes-Benz S580 Hybrid 4-Door Sedan AWD 4.0L/8-cyl
3319Mini Cooper 2-Door Hatchback 1.5L/3-cyl
5956Mitsubishi Outlander Sport AWD  4-Door Utility 4x4 2.0L/4-cyl
4352Nissan Altima 4-Door Sedan 2.5L/4-cyl
3042Nissan Leaf 4-door Hatchback (EV)
3032Nissan Rogue 4-Door Utility 4x2 1.5L/3-cyl
2852Nissan Versa 4-Door Sedan 1.6L/4-cyl
6869Porsche 911 Carrera Base 2WD 2-Door Coupe 3.0L/6-cyl
2604Subaru Outback 2.5 I AWD 4-Door Utility 4x4 2.5L/4-cyl
3552Tesla Model 3 4-Door Sedan (EV)
3839Toyota Camry 4-Door Sedan 2.5L/4-cyl
3139Toyota Corolla 4-Door Sedan 2.0L/4-cyl
4131Toyota Highlander 4-Door Utility 4x2 2.4L/4-cyl
4242Toyota Prius 4-Door Hatchback 2.0L/4-cyl
4336Toyota Sienna Hybrid 4-Door Wagon 4x2 2.5L/4-cyl
3125Toyota Tundra Double Cab 4-Door Pickup 4x2 3.4L/6-cyl
2635Volkswagen Jetta 4-Door Sedan 1.5L/4-cyl
6062Volvo S90 Hybrid B6 AWD 4-Door Sedan 2.0L/4-cyl

* ISO is the Insurance Services Office, Inc.