The Insurance Institute For Highway Safety and the Highway Loss Data Institute have finished compiling the data on insurance losses by vehicle type and specific models. “Loss results are stated in relative terms,” the study says. “100 represents the average result for all vehicles in each loss coverage category.” Rated across various fields (collision, property damage liability, comprehensive, personal injury protection, medical payment, and bodily injury liability), the easiest way to understand the ratings are by the colour in the “All Coverages” section.
Yellow is substantially better than average. Dark yellowish-orange is better than average. Peachy-pink is average. Orange is worse than average. Red is substantially worse than average. White means “insufficient data to compute a reliable result”.
What’s it all mean? Well, that’s something to take up with your insurance provider, not The Good Car Guy. Basically, from the insurance industry’s perspective, the following vehicles are – in relative terms, the ones with the lowest instance of loss: Chevrolet Corvette, Mazda Miata, Volkswagen New Beetle, Saturn Sky, Honda Pilot, Hyundai Veracruz, Honda CR-V Subaru Outback, and Toyota 4Runner.
From your perspective, you’re interested in finding the least expensive cars to insure. GoodCarBadCar.net has that data, too. Automotive insurance is the unspoken word tandem in most North American car reviews, an almost mysterious extra best left to the consumer after his new car purchase. The more information on auto insurance you have under your belt before heading out to find your new vehicular love the better.
After the jump you can find vehicles grouped by segment type, midsize sedans or large luxury cars or small luxury SUVs or whatever possible permutation anybody’s ever been able to come up with.