INJURY, COLLISION, & THEFT LOSSES
By make and model, 1997- 99 models September 2000
HIGHWAY LOSS DATA INSTITUTE
1005 N. Glebe Rd. Arlington, VA 22201 703/247-1600 Fax 703/247-1595 Internet: www.highwaysafety.org
The Highway Loss Data Institute (HLDI) is a nonprofit public service organization. It is closely associated with and funded through the Insurance Institute for Highway Safety, which is wholly supported by auto insurers. HLDI gathers, processes, and publishes data on the ways in which insurance losses vary among different kinds of vehicles.
COMPARISON WITH DEATH RATES Collisions that result in serious and fatal occupant injuries are relatively rare, so they have only a small influence on the insurance injury results reported in this table. (The results in the table are dominated by the relatively frequent low to moderate severity collisions and associated injuries.) A separate report, published periodically by the Insurance Institute for Highway Safety, is based on fatal crashes. It summarizes driver deaths per million registered vehicle years by make and model. Vehicles with high death rates often have high frequencies of insurance claims for occupant injuries. For example, small two- and fourdoor cars typically have high death rates and higher-than-average insurance injury claims experience. But there are exceptions. Sports cars tend to have high death rates because they’re more likely to be in high-speed single-vehicle crashes in which the risk of fatality is high. However, insurance injury claim frequencies for sports cars tend to be about average.
GUIDE TO THIS REPORT The table inside summarizes the recent insurance injury, collision, and theft losses of passenger cars, pickups, and utility vehicles. Results are based on the loss experience of 1997-99 models from their first sales through June 2000. For vehicles newly introduced or redesigned during these years, the results are based on the most recent model years for which the vehicle designs were unchanged — either 1998-99 or 1999 only. Results are grouped according to vehicle body style and then vehicle size. A total of 267 passenger vehicles are listed. The results in this publication are generally good predictors of the experience of current versions of the same vehicle models. However, manufacturers substantially redesign their passenger vehicles periodically, and, in these cases, the experience of earlier models with the same name may not predict the experience of the newer designs. Collision and theft losses are presented in terms of average loss payments per insured vehicle year (see definitions). Injury losses represent claim frequencies filed under Personal Injury Protection (PIP) coverages. All losses are stated in relative terms, with 100 representing the average for all cars in each loss category (a result of 122 is 22 percent worse than average, 96 is 4 percent better than average, etc.) Vehicles are listed within each group in ascending sequence of injury claim frequency results. For convenience, results are color-coded to indicate which are better and worse than average. Results also are adjusted, or standardized, to reduce possible distortions from two nonvehicle factors — operator age (injury, collision, and theft results) and insurance deductible (collision and theft results only). Insurance losses vary widely among individual vehicle models. Vehicle size is strongly related to both injury and collision losses, but these losses also vary among vehicles in the same body style/size groups.
DEFINITIONS Collision coverage: insurance that provides reimbursement for the cost of repairing crash damage to insured vehicles Deductible amount: policyholder’s portion of the loss Personal Injury Protection (PIP) coverage: no-fault insurance that provides reimbursement for medical/hospital/other expenses, up to specified limits, for crash injuries occurring in insured vehicles, regardless of fault Relative average loss payment per insured vehicle year: dollar total of collision or theft loss payments for claims for a group of vehicles divided by exposure (aggregate years the vehicles have been insured) for the group; result is expressed in relative terms compared with all cars Relative claim frequency: number of injury claims for a group of vehicles divided by exposure (aggregate years the vehicles have been insured) for the group; result is expressed in relative terms compared with all cars
FOUR-DOOR CARS
ALL VERY LARGE Mercury Grand Marquis Ford Crown Victoria ALL LARGE Buick Park Avenue Buick Regal Buick LeSabre Oldsmobile Intrigue Pontiac Bonneville Oldsmobile 88 Chrysler 300M Chrysler LHS Chrysler Concorde Chevrolet Lumina Pontiac Grand Prix Mercury Sable Ford Taurus Dodge Intrepid
Injury Collision Theft 57 56 61 69 43 54 56 56 60 63 67 68 69 71 71 78 86 92 72 71 73 80 68 65 71 71 82 83 109 101 80 73 77 81 84 94 97 109 69 80 107 70 89 95 111 98 92 117 91 107 77 92 86 100 86 84 122 148 87 96 99 149 101 100 106 103 136 108 139 134 83 125 107 102 93 138 100 128 122 104 115 109 109 107 120 141 146 146 166 137 119 153 144 46 41 52 54 24 24 13 40 33 17 232 56 23 65 57 65 130 121 75 13
TWO-DOOR CARS
ALL LARGE Buick Riviera Pontiac Grand Prix Chevrolet Monte Carlo ALL MIDSIZE Oldsmobile Alero Chrysler Sebring convertible Toyota Camry Solara Mercury Cougar Chrysler Sebring Acura CL series Pontiac Grand Am Pontiac Sunfire convertible Honda Accord Chevrolet Cavalier convertible BMW 318ti Pontiac Sunfire Dodge Avenger Chevrolet Cavalier ALL SMALL Subaru Impreza 4WD Honda Civic hatchback Toyota Celica Mitsubishi Eclipse convertible Saturn SC Honda Prelude Acura Integra Ford Escort Plymouth Neon Honda Civic coupe Dodge Neon Mitsubishi Eclipse Hyundai Tiburon Mitsubishi Mirage ALL MINI Volkswagen New Beetle Volkswagen Cabrio Volkswagen GTI Chevrolet Metro Hyundai Accent
Injury Collision Theft 72 52 65 81 109 75 78 93 96 101 101 106 108 110 111 117 118 123 129 129 92 103 104 105 106 108 122 131 131 131 144 148 211 216 122 67 95 118 149 192 87 76 89 89 109 106 100 81 107 119 95 107 106 106 107 149 118 130 112 123 117 94 148 123 90 151 159 113 108 118 116 153 210 154 116 82 89 173 119 132 61 37 99 40 90 105 100 76 185 124 91 111 84 47 111 53 170 114 81 203 23 161 996 67 153 152 107 209 109 104 74 40 78 321 29 61
ALL MIDSIZE 104 Cadillac Catera 63 Buick Century 64 Volvo S80 65 Saab 9-3 70 Oldsmobile Cutlass 72 Toyota Avalon 76 Acura TL series 76 Volvo S70 78 Lexus ES 300 79 Oldsmobile Alero 81 Infiniti I30 81 Volkswagen Passat 83 Subaru Legacy/Outback 4WD 88 Chevrolet Malibu 90 Chrysler Cirrus 96 Toyota Camry 97 Pontiac Grand Am 101 Honda Accord 105 Mercury Mystique 107 Nissan Maxima 107 Mazda Millenia 110 Ford Contour 111 Dodge Stratus 115 121 Chevrolet Cavalier Mitsubishi Diamante 121 Plymouth Breeze 122 Mazda 626 137 Pontiac Sunfire 139 Nissan Altima 143 Mitsubishi Galant 160 ALL SMALL Audi A4 Quattro Audi A4 Saturn SL Infiniti G20 Subaru Impreza 4WD Chevrolet Prizm Volkswagen Jetta Acura Integra Honda Civic Volkswagen Jetta III Mazda Protege Ford Escort Toyota Corolla Plymouth Neon Mercury Tracer Dodge Neon Nissan Sentra Hyundai Elantra Mitsubishi Mirage Kia Sephia Suzuki Esteem ALL MINI Volkswagen Golf III Chevrolet Metro Hyundai Accent 137 62 68 101 107 108 112 113 114 120 122 139 140 147 148 151 153 165 213 219 227 240 160 103 180 221
21 86 28 80 146 162 244 67 37 48 94 98 106 68 56 509 262 53 96 33 268 90 86 43 112 153 81 60 22
68 76 757 86 98 51 58 109 118 53 106 85 84 108 77
Loss results for 1997-99 models are stated in relative terms (100 represents avg. result for all vehicles in each loss category). Colors indicate results in relation to the average for all cars: substantially better than average better than average average worse than average substantially worse than average insufficient data to compute reliable result
69 75 54 85
HIGHWAY LOSS DATA INSTITUTE
UTILITY VEHICLES
ALL LARGE 4 WHEEL DRIVE GMC Suburban 1500 4dr Land Rover Range Rover 4.0 GMC Yukon 4dr Chevrolet Suburban 1500 4dr Chevrolet Tahoe 2dr Chevrolet Tahoe 4dr Ford Expedition 4dr Lincoln Navigator 4dr ALL LARGE 2 WHEEL DRIVE Chevrolet Suburban 1500 4dr GMC Yukon 4dr Chevrolet Tahoe 4dr GMC Suburban 1500 4dr Lincoln Navigator 4dr Ford Expedition 4dr ALL MIDSIZE 4 WHEEL DRIVE Mercedes M class 4dr Oldsmobile Bravada 4dr Jeep Grand Cherokee 4dr Lexus RX 300 4dr GMC Jimmy 2dr GMC Jimmy 4dr Mercury Mountaineer 4dr Ford Explorer 4dr Dodge Durango 4dr Infiniti QX4 4dr Chevrolet Blazer 4dr Isuzu Trooper 4dr Ford Explorer 2dr Land Rover Discovery 4dr Chevrolet Blazer 2dr Isuzu Rodeo 4dr Nissan Pathfinder 4dr Toyota 4Runner 4dr Honda Passport 4dr Mitsubishi Montero Sport 4dr ALL MIDSIZE 2 WHEEL DRIVE Jeep Grand Cherokee 4dr Lexus RX 300 4dr Ford Explorer 4dr Dodge Durango 4dr Mercury Mountaineer 4dr Chevrolet Blazer 4dr GMC Jimmy 4dr Nissan Pathfinder 4dr Ford Explorer 2dr Toyota 4Runner 4dr Isuzu Rodeo 4dr Mitsubishi Montero Sport 4dr ALL SMALL 4 WHEEL DRIVE Subaru Forester 4dr Jeep Wrangler 2dr Jeep Cherokee 4dr Honda CR-V 4dr Toyota RAV4 4dr Kia Sportage 4dr ALL SMALL 2 WHEEL DRIVE Jeep Cherokee 4dr Honda CR-V 4dr Toyota RAV4 4dr Kia Sportage 4dr
Injury Collision Theft 55 42 43 44 47 52 53 62 74 55 49 50 53 54 58 59 76 55 56 60 61 64 66 68 68 73 73 74 75 81 81 85 88 94 98 110 133 88 67 71 74 77 82 85 86 92 97 103 110 120 87 72 73 78 91 116 171 119 91 116 124 163 77 61 120 73 62 81 67 78 108 68 66 57 59 69 85 69 98 85 64 72 84 97 83 86 83 95 121 77 100 120 157 104 110 129 146 104 140 94 62 83 79 86 78 77 77 112 108 131 109 114 85 96 71 97 74 112 115 101 84 76 116 102 188 146 193 122 264 202 179 387 186 87 240 211 215 227 161 153 130 84 124 140 96 118 98 198 231 94 138 174 126 114 85 229 313 147 616 147 87 96 75 113 99 222 154 247 107 294 118 29 156 136 63 110 131 93 119 73 80 94
PICKUP TRUCK SERIES
ALL LARGE 4 WHEEL DRIVE GMC 2500 GMC Sierra 1500 Chevrolet Silverado 1500 Chevrolet 3500 Ford F-250 light duty Ford F-350 Chevrolet 2500 GMC 1500 Ford F-250 Chevrolet 1500 Ford F-150 Dodge Ram 2500 Dodge Ram 1500 Dodge Ram 3500 ALL LARGE 2 WHEEL DRIVE Ford F-250 Dodge Ram 2500 Ford F-250 light duty Chevrolet 2500 Dodge Ram 3500 Chevrolet 3500 Chevrolet Silverado 1500 GMC Sierra 1500 GMC 1500 Chevrolet 1500 Ford F-150 Dodge Ram 1500 ALL SMALL 4 WHEEL DRIVE Dodge Dakota Chevrolet T10 Nissan Frontier Ford Ranger Toyota Tacoma ALL SMALL 2 WHEEL DRIVE GMC Sonoma/S15 Dodge Dakota Mazda B Chevrolet S10 Ford Ranger Nissan Frontier Isuzu Hombre Toyota Tacoma
Injury Collision Theft 50 31 37 38 40 40 43 44 44 46 48 51 53 57 57 62 38 41 45 48 51 52 52 52 60 62 65 66 74 61 62 75 76 87 88 77 78 82 83 84 97 112 120 80 74 68 76 63 58 80 63 72 87 76 70 109 90 114 74 64 92 58 67 114 68 82 77 72 70 70 87 96 93 89 82 98 105 92 86 103 75 86 88 100 83 122 119 44 96 48 202 119 147 137 83 106 132 221 130 96 77 77 242 103 113 128 120 154 106 71 80 104 72 155 72 78 77 49 66 64 57 81 96
Loss results for 1997-99 models are stated in relative terms (100 represents avg. result for all vehicles in each loss category). Colors indicate results in relation to the average for all cars: substantially better than average better than average average worse than average substantially worse than average insufficient data to compute reliable result
HIGHWAY LOSS DATA INSTITUTE
VANS AND STATION WAGONS
Injury Collision Theft 70 47 55 71 70 64 63 73 87 68 63 64 58 61 81 65 70 70 57 64 104 94 106 105 90 73 79 112 84 98 119 58 4
LUXURY CARS
ALL VERY LARGE BMW 7 series 4dr LWB Jaguar VDP 4dr LWB Mercedes S class 4dr LWB BMW 7 series 4dr Lincoln Town Car 4dr ALL LARGE Cadillac Seville 4dr Oldsmobile Aurora 4dr Jaguar XJR 4dr Cadillac DeVille 4dr Lincoln Continental 4dr Lexus LS 400 4dr Infiniti Q45 4dr Cadillac Eldorado 2dr Acura 3.5 RL 4dr BMW 5 series 4dr Lexus GS 300/400 4dr Mercedes E class 4dr ALL MIDSIZE Audi A6 Quattro 4dr Lexus SC 300/400 2dr BMW 3 series convertible Mercedes CLK class 2dr BMW 3 series 2dr BMW 3 series 4dr Mercedes C class 4dr
Injury Collision Theft 57 47 53 55 62 63 60 45 50 51 56 56 58 60 62 64 71 71 72 83 54 69 73 78 79 81 99 108 146 175 149 124 95 117 105 89 222 93 86 145 126 97 111 141 142 142 159 115 198 145 147 198 135 155 292 387 1001 131 152 115 64 62 93 218 142 177 76 239 421 236 201
ALL LARGE 71 Honda Odyssey 44 Pontiac Montana 50 50 Dodge Grand Caravan 4WD GMC Safari 4WD 51 Oldsmobile Silhouette 54 55 Mercury Villager Chrysler Town & Country 55 Chrysler Town & Country 4WD 60 Mercury Sable 62 Chevrolet Venture 65 Ford Windstar 65 GMC Safari 68 Chevrolet Astro 70 Ford Taurus 71 Toyota Sienna 72 Dodge Caravan 74 Plymouth Voyager 74 75 Chevrolet Astro 4WD Nissan Quest 102 ALL MIDSIZE Volvo V70 4WD Volvo V70 Subaru Legacy/Outback 4WD ALL SMALL Saturn SW Mercury Tracer Subaru Impreza 4WD Ford Escort Suzuki Esteem Hyundai Elantra 72 53 54 77 98 79 92 93 101 151 185
13 87 74 21 22 27 37 54 29 47 61 67 36
44 42 24 42 33 11 45 35
356 409 132 107
SPORTS CARS
ALL MIDSIZE Jaguar XK8 convertible Chevrolet Camaro convertible Ford Mustang convertible Pontiac Firebird 2dr Mitsubishi 3000 GT 2dr Chevrolet Camaro 2dr Ford Mustang 2dr ALL SMALL Porsche Boxster convertible Chevrolet Corvette 2dr Chevrolet Corvette convertible Mercedes SL class convertible ALL MINI Mercedes SLK class convertible BMW Z3 Roadster convertible Mazda Miata convertible
Injury Collision Theft 108 45 86 96 102 102 103 124 50 45 52 55 58 73 54 61 92 149 185 154 132 167 149 160 142 178 124 147 163 190 108 118 104 104 139
178 142 137 123 342 149 320 539 106 71 110 116
SPONSORING GROUPS
Alfa Insurance Allstate Insurance Group American Express Property and Casualty American Family Insurance American National Property and Casualty Amica Mutual Insurance Company Amwest Insurance Group Auto Club South Insurance Company Automobile Club of Michigan Group Baldwin & Lyons Group Bituminous Insurance Companies Brotherhood Mutual California Insurance Group California State Automobile Association Cameron Companies CGU Insurance Chubb Group of Insurance Companies Church Mutual Colonial Penn Concord Group Insurance Companies Cotton States Country Companies Erie Insurance Group Farmers Insurance Group of Companies Farmers Mutual of Nebraska Fidelity & Deposit Foundation Reserve Insurance Company Frankenmuth The GEICO Group General Casualty Insurance Companies GMAC Insurance Group Grange Insurance Harleysville Insurance Companies The Hartford Idaho Farm Bureau Instant Auto Insurance Kansas Farm Bureau Kemper Insurance Companies Liberty Mutual Insurance Group Merastar Mercury General Group MetLife Auto & Home Middlesex Mutual Montgomery Insurance Companies Motor Club of America Insurance Company Motorists Insurance Companies MSI Insurance Companies National Grange Mutual Nationwide Insurance North Carolina Farm Bureau Northland Insurance Companies Oklahoma Farm Bureau Old Guard Insurance Oregon Mutual Group OrionAuto Palisades Safety and Insurance Association Pekin Insurance PEMCO Insurance Companies The Progressive Corporation The Prudential Response Insurance Rockingham Group Royal & SunAlliance SAFECO Corporation SECURA Shelter Insurance Companies State Auto Insurance Companies State Farm Insurance Companies The St. Paul Companies Tokio Marine USAA Virginia Mutual Insurance Company Warrior Insurance Group Yasuda Fire & Marine of America Zurich U.S.
Loss results for 1997-99 models are stated in relative terms (100 represents avg. result for all vehicles in each loss category). Colors indicate results in relation to the average for all cars: substantially better than average better than average average worse than average substantially worse than average insufficient data to compute reliable result
HIGHWAY LOSS DATA INSTITUTE