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.
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2020 ISO Comprehensive & Collision Symbols and Vehicle Descriptions |
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|
Comp |
Coll |
Vehicle Description |
|
15 |
01 |
Jeep Wrangler JL Unlimited AWD 4-Door Utility 4x4 3.6L/6-cyl |
|
18 |
12 |
Honda Odyssey 4-Door Wagon 4x2 3.5L/6-cyl |
|
19 |
17 |
Mazda MX-5 Miata 2-Door Convertible 2.0L/4-cyl |
|
20 |
15 |
Ford Escape 4-Door Utility 4x2 1.5L/4-cyl |
|
22 |
21 |
Jeep Compass 4-Door Utility 4x2 2.4L/4-cyl |
|
22 |
02 |
Subaru Outback 2.5 I AWD 4-Door Utility 4x4 2.5L/4-cyl |
|
22 |
37 |
Volkswagen Jetta 4-Door Sedan 1.4L/4-cyl |
|
23 |
22 |
Hyundai Santa Fe 4-Door Utility 4x2 2.4L/4-cyl |
|
24 |
22 |
Chevrolet Silverado 1500 LD Regular Cab 2-Door Pickup 4x2 4.3L/6-cyl |
|
24 |
28 |
Honda Civic 4-Door Sedan 2.0L/4-cyl |
|
25 |
17 |
GMC Sierra 1500 Double Cab 4-Door Pickup 4x2 5.3L/8-cyl |
|
25 |
6 |
Honda CR-V 4-Door Utility 4x2 1.5L/4-cyl |
|
25 |
18 |
Jeep Grand Cherokee 4-Door Utility 4x2 3.6L/6-cyl |
|
25 |
43 |
Nissan Versa 4-Door Sedan 1.6L/4-cyl |
|
26 |
38 |
Toyota Corolla 4-Door Sedan 1.8L/4-cyl |
|
27 |
42 |
Chevrolet Camaro 2-Door Coupe 3.6L/6-cyl |
|
27 |
39 |
Hyundai Accent 4-Door Sedan 1.6L/4-cyl |
|
27 |
39 |
Hyundai Elantra 4-Door Sedan 2.0L/4-cyl |
|
27 |
15 |
Toyota Highlander 4-Door Utility 4x2 3.5L/6-cyl |
|
28 |
38 |
Chevrolet Malibu 4-Door Sedan 1.5L/4cyl |
|
28 |
22 |
Dodge Grand Caravan 4-Door Wagon 4x2 3.6L/6-cyl |
|
29 |
35 |
Nissan Pathfinder 4-Door Utility 4x2 3.5L/6-cyl |
|
31 |
29 |
Toyota Sienna 4-Door Wagon 4x2 3.5L/6-cyl |
|
32 |
18 |
Toyota Tundra Double Cab 4-Door Pickup 4x2 5.7L/8-cyl |
|
34 |
22 |
Chrysler Pacifica 4-Door Wagon 4x2 3.6L/6-cyl |
|
34 |
18 |
Ford F-150 Regular Cab 2-Door Pickup 4x4 5.0L/8-cyl |
|
34 |
46 |
Hyundai Sonata 4-Door Sedan 2.5L/4-cyl |
|
34 |
31 |
Toyota Camry 4-Door Sedan 2.5L/4-cyl |
|
35 |
27 |
Mini Cooper S 2-Door Hatchback 2.0L/4-cyl |
|
35 |
40 |
Nissan Altima 4-Door Sedan 2.5L/4-cyl |
|
36 |
35 |
Kia Soul 4-Door Wagon 4x2 1.6L/4-cyl |
|
38 |
43 |
Ford Fusion 4-Door Sedan 1.5L/4-cyl |
|
39 |
42 |
Acura TLX 4-Door Sedan 3.5L/6-cyl |
|
39 |
39 |
Toyota Prius 4-Door Hatchback 1.8L/4-cyl |
|
40 |
41 |
Chevrolet Impala 4-Door Sedan 3.6L/6-cyl |
|
42 |
41 |
Mitsubishi Outlander 4-Door Utility 4x2 2.4L/4-cyl |
|
47 |
22 |
Acura MDX AWD 4-Door Utility 4x4 3.5L/6-cyl |
|
50 |
39 |
Honda Accord 4-Door Sedan 2.0L/4-cyl |
|
52 |
61 |
Lexus IS 350 AWD 4-Door Sedan 3.5L/6-cyl |
|
54 |
61 |
Cadillac CT5-V 4-Door Sedan 3.0L/6-cyl |
|
54 |
52 |
Ford Explorer Hybrid 4-Door Utility 4x2 3.3L/6-cyl |
|
55 |
54 |
Volvo S90 T6 AWD 4-Door Sedan 2.0L/4cyl |
|
56 |
56 |
Infiniti Q50 4-Door Sedan 3.0L/6-cyl |
|
56 |
62 |
Jaguar XF 4-Door Sedan 2.0L/4-cyl |
|
58 |
57 |
Land Rover Discovery AWD 4-Door Utility 4x4 3.0L/6-cyl |
|
59 |
58 |
Land Rover Range Rover Sport AWD 4-Door Utility 4x4 3.0L/6-cyl |
|
62 |
66 |
Porsche 911 Carrera Base 2WD 2-Door Coupe 3.0L/6-cyl |
|
74 |
66 |
Mercedes-Benz S560 4-Door Sedan 4.0L/8-cyl |
* ISO is the Insurance Services Office, Inc.