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.

2018 ISO Comprehensive & Collision Symbols and Vehicle Descriptions



Vehicle Description

37 14 Acura MDX AWD 4-Door Utility 4x4 3.5L/6-cyl
39 42 Acura TLX 4-Door Sedan  3.5L/6-cyl
40 44 Buick Lacrosse 4-Door Sedan 3.6L/6cyl
47 65 Cadillac CTS-V 4-Door Coupe 6.2L/8-cyl
27 40 Chevrolet Camaro 2-Door Coupe 3.6L/6-cyl
35 33 Chevrolet Impala Limited LS 4-Door Sedan 3.6L/6-cyl
30 40 Chevrolet Malibu LS 4-Door Sedan 1.5L/4cyl
21 17 Chevrolet Silverado 1500 Regular Cab 2-Door Pickup 4x2 5.3L/8-cyl
32 19 Chrylser Pacifica LX 4-Door Wagon 4x2 3.6L/6-cyl
26 20 Dodge Grand Caravan 4-Door Wagon 4x2 3.6L/6-cyl
20 14 Ford Escape S 4-Door Utility 4x2 2.5L/4-cyl
28 24 Ford Explorer XLT 4-Door Utility 4x2 3.5L/6-cyl
36 18 Ford F-150 Regular Cab 2-Door Pickup 4x4 5.0L/8-cyl
32 36 Ford Taurus SE 4-Door Sedan 3.5L/6-cyl
22 8 GMC Sierra 1500 Regular Cab 2-Door Pickup 4x2 5.3L/8-cyl 
39 43 Honda Accord EX 4-Door Sedan 2.0L/4-cyl
27 33 Honda Civic EX 4-Door Sedan 2.0L/4-cyl
29 16 Honda CR-V EX 4-Door Utility  4x2 1.5L/4-cyl 
15 11 Honda Odyssey LX 4-Door Wagon 4x2 3.5L/6-cyl 
27 39 Hyundai Accent Limited 4-Door Sedan 1.6L/4-cyl
25 31 Hyundai Elantra SE 4-Door Sedan 2.0L/4-cyl
25 23 Hyundai SantaFe Limited 4-Door Utility 4x2 3.3 L/ 6-cyl
26 39 Hyundai Sonata SE 4-Door Sedan 2.4L/4-cyl
51 58 Infiniti Q50 4-Door Sedan 3.0L/6-cyl
68 72 Jaguar XJRL 4-Door Sedan 5.0L/8-cyl
26 28 Jeep Compass Limited 4-Door Utility 4x4 2.4L/4-cyl
23 16 Jeep Grand Cherokee Laredo 4-Door Utility 4x2 3.6L/6-cyl 
16 2 Jeep Wrangler JK Unlimited Sport 4-Door Utility 4x4 3.6L/6-cyl 
19 17 Kia Soul 4-Door Wagon 4x2 1.6L/4-cyl 
58 56 Land Rover Discovery AWD 4-Door Utility 4x4 3.0L/6-cyl
57 59 Land Rover Range Rover Sport HSE AWD 4-Door Utility 4x4 3.0L/6-cyl
53 61 Lexus IS 350/IS 350F Sport AWD 4-Door Sedan 2.5L/6-cyl
23 23 Mazda MX-5 Miata Grand Touring 2-Door Convertible 2.0L/4-cyl
72 65 Mercedes-Benz S560 4-Door Sedan 4.0L/8-cyl
35 28 Mini Cooper S 2-Door Hatchback 2.0L/4-cyl
38 34 Mitsubishi Outlander ES 4-Door Utility 4x2 2.4L/4-cyl
35 42 Nissan Altima 4-Door Sedan 2.5L/4-cyl
26 44 Nissan Versa Note Hatchback 4-Door 1.6L/4 cyl
28 34 Nissan Pathfinder 4-Door Utility 4x2 3.5L/6-cyl 
61 65 Porsche 911 Carrera Base 4 AWD/2WD  2-Door Coupe 3.4L/6-cyl
21 1 Subaru Outback 2.5 AWD 4-Door Utility 4x4 2.5L/4-cyl 
27 31 Toyota Camry L/LE/SE/XLE 4-Door Sedan 2.5L/4-cyl
26 41 Toyota Corolla L/Le/Plus/Premium; S/Plus/Premium 4-Door Sedan 1.8L/4-cyl
24 12 Toyota Highlander Le/Le Plus 4-Door Utility 4x2 2.7L/4-cyl 
35 30 Toyota Prius Two 4-Door Hatchback 1.8L/4-cyl
29 27 Toyota Sienna Base/LE 4-Door Wagon 4x2 3.5L/6-cyl /Comp
29 21 Toyota Tundra Double Cab 4-Door Pickup 4x2 5.7L/8-cyl
27 41 Volkswagen Jetta 4-Door Sedan 1.4L/4-cyl
57 61 Volvo S90 T6 AWD 4-Door Sedan 2.0L/4cyl

* ISO is the Insurance Services Office, Inc.