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Insurance Cost Comparisons on the Basis of Damage Susceptibility

Your Honda Civic Might Have Higher Insurance Rates Than a Jaguar

It is a little known fact that, according to a government study (Collision Insurance Losses Model Years 2005 – 2007 Passenger Motor Vehicles), that car insurance companies will offer somewhat lower rates to their customers simply by driving a car that will cost less to fix if it gets in an accident. This can save you up to 10% in some cases. For example, it will probably cost your insurance company 5 times more on average to repair a Honda Civic as it would cost to repair a Jeep Wrangler. Therefore, you may get some great insurance rates on your Jeep. The numbers are relative, so a score of 100 is average, while higher scores are above average costs, etc…

Remember that other factors such as the vehicle value and your driving history probably have a larger impact on your ability to get cheap car insurance rates. But all other things being equal, your Honda Civic could cost more to insure than a a Jaguar XJR, Infinity G35, Mercedes SL class, BMW 6-series, or Corvette!

In short, Jeeps dominate 4 of the top 10 spots as being the least susceptible to damage out of over 600 cars; while the Lotus Elise as the single most expensive vehicle, at over 13x the susceptibility of the Jeep. Surprisingly, cars like the Subaru Impreza, Honda Civic, and Chevy Cobalt are more susceptible to damage than many Mercedes, BMW’s, and Jaguars.

The best part about this list is you can sort each of the columns! There is also an alternate version of this page that groups the results by car class, in case you just want to compare all minivans, or trucks, etc… So, where does your car rank on this list?


Click on any of the green column header to sort (ascending/descending).

MakeModelRelative Average Loss Payment Per Insured Vehicle Year
ToyotaYaris103
HyundaiAccent110
KiaRio116
HyundaiAccent131
ChevroletAveo135
ToyotaYaris141
ChevroletAveo96
HondaFit100
KiaRio105
MazdaMX-5 Miata convertible82
LotusElise435
VolkswagenNew Beetle convertible73
ChryslerPT Cruiser convertible83
VolkswagenNew Beetle85
MiniCooper convertible91
MiniCooper92
FordFocus112
SaturnION Quad Coupe120
VolkswagenRabbit127
PontiacG5135
VolkswagenGTI136
HondaCivic144
ChevroletCobalt147
HyundaiTiburon196
SciontC205
ChevroletCobalt SS supercharged209
HondaCivic Si210
VolkswagenGTI95
HondaCivic Hybrid100
SaturnION105
VolkswagenRabbit107
Toyota Prius108
HondaCivic109
ToyotaCorolla116
FordFocus117
HyundaiElantra118
NissanVersa hatchback120
ChevroletCobalt129
NissanVersa130
KiaSpectra131
SuzukiReno131
SuzukiForenza131
SuzukiAerio132
SuzukiAerio 4WD133
SubaruImpreza 4WD134
HondaCivic Si138
NissanSentra139
Mazda3141
SubaruImpreza WRX 4WD275
DodgeCaliber 4WD66
KiaRondo66
FordFocus81
ChryslerPT Cruiser88
DodgeCaliber89
ChevroletHHR91
PontiacVibe95
SuzukiSX4 4WD98
SuzukiForenza99
ToyotaMatrix102
SubaruImpreza 4WD109
Mazda3 Mazdaspeed114
Mazda3115
KiaSpectra hatchback127
SubaruImpreza WRX 4WD144
PontiacSolstice convertible84
SaturnSky convertible85
BMWZ4 convertible101
PorscheCayman135
MercedesSLK class convertible136
PorscheBoxster convertible154
HondaS2000 convertible176
VolkswagenEos convertible67
ToyotaCamry Solara convertible77
PontiacG6 convertible96
ChevroletMonte Carlo115
ToyotaCamry Solara117
HondaAccord129
PontiacG6135
MitsubishiEclipse154
SubaruOutback 4WD72
HyundaiAzera80
SaturnAura84
ChryslerSebring88
HyundaiSonata90
ToyotaCamry Hybrid93
MercuryMilan99
HondaAccord99
FordFusion 4WD100
VolkswagenPassat102
VolkswagenPassat 4WD105
VolvoS40 4WD106
VolkswagenJetta (NEW)106
ToyotaCamry106
FordFusion108
ChevroletMalibu113
KiaOptima (NEW)114
SubaruLegacy 4WD116
HondaAccord Hybrid118
Mazda6 hatchback120
AcuraTSX123
Mazda6124
NissanAltima124
PontiacG6126
Mazda6 4WD128
MitsubishiGalant131
VolvoS40 (NEW)131
NissanMaxima136
SubaruOutback 4WD66
Mazda685
SubaruLegacy 4WD88
Mazda590
VolvoV5094
ChevroletMalibu Maxx97
VolkswagenPassat98
VolvoV50 4WD108
AudiA3110
AudiA3 4WD134
FordMustang Shelby GT50055
FordMustang GT convertible93
FordMustang convertible101
Mitsubishi Eclipse convertible109
ChevroletCorvette convertible110
ChevroletCorvette121
LexusSC 430 convertible123
Porsche911 convertible123
FordMustang127
FordMustang GT136
Porsche911 Coupe151
Nissan350Z convertible157
MazdaRX-8176
CadillacXLR convertible187
ChevroletCorvette Z06193
MercedesSL class convertible196
Nissan350Z217
Saab9-5 station wagon67
AudiA4 Quattro station wagon 4WD74
Saab9-3 station wagon91
Saab9-3 convertible98
LincolnMKZ 4dr 4WD99
Saab9-3 4dr100
InfinitiG35 4dr103
LincolnMKZ 4dr106
BMW3 series 4dr 4WD107
AcuraTL 4dr108
Saab9-5 4dr108
LexusES 350 4dr111
BMW3 series 2dr 4WD114
VolvoS60 4dr116
VolvoS60 4dr 4WD117
InfinitiG35 4dr 4WD122
BMW3 series 4dr126
MercedesC class 4dr 4WD128
JaguarX-Type station wagon 4WD129
AudiA4 Quattro 4dr 4WD129
LexusIS 350 4dr130
Acura3.5 TL 4dr132
MercedesCLK class convertible148
LexusIS 250 4dr149
MercedesC class 4dr152
JaguarX-Type 4dr 4WD153
AudiA4 4dr156
BMW3 series 2dr161
LexusIS 250 4dr 4WD168
AudiS4 Quattro 4dr 4WD186
InfinitiG35 2dr190
MercedesCLK class 2dr190
VolvoS60 R 4dr 4WD201
Mercury Montego67
Mercury Montego 4WD68
FordFive Hundred 4WD69
BuickLucerne72
FordFive Hundred72
BuickLaCrosse72
Chrysler300 4WD79
ChevroletImpala86
FordTaurus93
ToyotaAvalon96
Chrysler30096
KiaAmanti100
Chrysler300 HEMI 4WD100
Chrysler300 HEMI102
PontiacGrand Prix103
DodgeCharger129
DodgeCharger HEMI136
DodgeCaravan68
DodgeMagnum 4WD93
DodgeMagnum HEMI108
DodgeMagnum112
DodgeMagnum HEMI 4WD118
JaguarXK convertible165
Aston MartinDB9225
VolvoV70 station wagon 4WD77
VolvoV70 station wagon79
BMW5 series 4dr 4WD94
VolvoC70 convertible100
CadillacDTS 4dr104
AudiA6 4dr109
JaguarXJ series 4dr112
AudiA6 Quattro 4dr 4WD114
AudiA6 4WD station wagon115
InfinitiM35 4dr123
Acura3.5 RL 4dr 4WD125
InfinitiM35 4dr 4WD126
LexusGS 350 4dr 4WD126
MercedesE class station wagon 4WD134
MercedesE class 4dr 4WD135
LexusGS 350 4dr139
MercedesE class 4dr140
JaguarS-type 4dr142
BMW530 XiT 4WD station wagon143
CadillacCTS 4dr143
CadillacSTS 4dr 2WD/4WD144
BMW5 series 4dr161
MercedesE class station wagon162
InfinitiM45 4dr162
CadillacSTS V8 4dr 2WD/4WD172
JaguarXJR 4dr189
LexusGS 430 4dr194
BMW6 series convertible201
MercedesCLS class 4dr212
JaguarXJ series 4dr LWB**218
BMW6 series 2dr223
CadillacCTS-V 4dr236
LexusGS 450h Hybrid 4dr243
MercedesCL class 2dr257
BMWM5 4dr317
MercuryGrand Marquis72
FordCrown Victoria83
BuickTerraza62
DodgeGrand Caravan63
HondaOdyssey63
SaturnRelay63
ChryslerTown & Country LWB**65
FordFreestar66
ChevroletUplander68
ChryslerTown & Country SWB70
KiaSedona72
HyundaiEntourage73
ChevroletUplander SWB76
MercuryMonterey77
ToyotaSienna78
ToyotaSienna 4WD79
NissanQuest86
LincolnTown Car 4dr95
LexusLS 460 4dr112
LincolnTown Car 4dr LWB**139
MercedesS class 4dr LWB** 4WD151
BMW7 series 4dr157
AudiA8 Quattro 4dr 4WD158
BMW7 series 4dr LWB**166
AudiA8L Quattro 4dr184
MercedesS class 4dr LWB**207
LexusLS 460 L 4dr218
BentleyContinental Flying Spur 4dr 4WD239
BentleyContinental GT 2dr266
MaseratiQuattroporte 4dr429
GMCCanyon74
GMCCanyon 4WD77
ToyotaTacoma 4WD88
ToyotaTacoma91
ChevroletColorado94
FordRanger101
ChevroletColorado 4WD106
FordRanger 4WD112
MazdaB114
DodgeDakota club 4WD79
GMCCanyon ext.80
DodgeDakota club83
ChevroletColorado ext. 4WD88
MazdaB plus90
MitsubishiRaider ext. cab91
GMCCanyon 4WD ext.97
ChevroletColorado ext.97
FordRanger supercab99
ToyotaTacoma xtra 4WD102
Toyota Tacoma xtra104
NissanFrontier king105
FordRanger supercab 4WD112
NissanFrontier king 4WD113
MazdaB plus 4WD130
DodgeDakota quad81
DodgeDakota quad 4WD83
NissanFrontier crew LWB** 4WD87
NissanFrontier crew LWB**88
ChevroletColorado crew 4WD88
GMC Canyon crew90
ToyotaTacoma double long bed 4WD92
GMCCanyon 4WD crew94
ToyotaTacoma double long bed96
ChevroletColorado crew97
ToyotaTacoma double101
NissanFrontier crew103
MitsubishiRaider double cab103
ToyotaTacoma double 4WD109
NissanFrontier crew 4WD112
MitsubishiRaider double cab 4WD115
ChevroletSilverado 1500 4WD70
FordF-150 4WD76
FordF-15077
ChevroletSilverado 1500 4WD (NEW)78
ChevroletSilverado 150080
GMCSierra 1500 4WD80
GMCSierra 150082
DodgeRam 150090
DodgeRam 1500 4WD94
ChevroletSilverado 1500 (NEW)124
FordF-150 supercab 4WD72
ChevroletSilverado 1500 ext. 4WD73
GMCSierra 1500 ext. 4WD (NEW)73
GMCSierra 1500 ext. (NEW)75
GMCSierra 1500 ext. 4WD78
FordF-150 supercab82
ChevroletSilverado 1500 ext. 4WD (NEW)84
ChevroletSilverado 1500 ext.90
GMCSierra 1500 ext.94
ChevroletSilverado 1500 ext. (NEW)108
NissanTitan king 4WD115
NissanTitan king121
ChevroletSilverado 1500 crew 4WD (NEW)70
ToyotaTundra double 4WD74
ChevroletSilverado 1500 crew 4WD74
ToyotaTundra crew max75
FordF-150 supercrew 4WD76
GMCSierra 1500 crew 4WD (NEW)77
GMCSierra 1500 crew 4WD79
FordF-150 supercrew81
LincolnMark LT crew cab82
DodgeRam 1500 mega cab 4WD82
GMCSierra 1500 crew84
DodgeRam 1500 quad87
ChevroletSilverado 1500 crew (NEW)89
DodgeRam 1500 quad 4WD90
ChevroletSilverado 1500 crew91
DodgeRam 1500 mega cab92
ToyotaTundra double92
ToyotaTundra crew max 4WD100
LincolnMark LT crew cab 4WD104
GMCSierra 1500 crew (NEW)105
NissanTitan crew 4WD109
NissanTitan crew117
FordF-25060
FordF-250 4WD67
GMCSierra 2500 4WD68
ChevroletSilverado 2500 4WD75
FordF-350 4WD86
DodgeRam 2500 4WD92
DodgeRam 250093
GMCSierra 250095
ChevroletSilverado 250099
ChevroletSilverado 3500 4WD131
DodgeRam 3500 4WD131
GMCSierra 2500 ext. 4WD71
FordF-350 supercab78
ChevroletSilverado 2500 ext.79
GMCSierra 2500 ext.84
FordF-250 supercab 4WD85
ChevroletSilverado 2500 ext. 4WD87
GMCSierra 3500 ext. 4WD88
ChevroletSilverado 3500 ext. 4WD94
FordF-250 supercab95
FordF-350 supercab 4WD107
ChevroletSilverado 2500 crew79
ChevroletSilverado 2500 crew 4WD (NEW)79
DodgeRam 3500 mega cab85
FordF-250 supercrew88
ChevroletSilverado 2500 crew 4WD90
GMCSierra 2500 crew 4WD92
DodgeRam 2500 quad 4WD92
GMCSierra 3500 crew93
FordF-250 supercrew 4WD94
ChevroletSilverado 3500 crew95
DodgeRam 2500 quad95
DodgeRam 3500 quad 4WD97
FordF-350 supercrew 4WD99
DodgeRam 2500 mega cab99
FordF-350 supercrew103
GMCSierra 2500 crew104
ChevroletSilverado 3500 crew 4WD107
DodgeRam 3500 quad108
DodgeRam 2500 mega cab 4WD111
DodgeRam 3500 mega cab 4WD111
GMCSierra 3500 crew 4WD114
JeepWrangler 2dr 4WD44
JeepPatriot 4dr 4WD48
FordEscape 4dr 4WD67
HondaCR-V 4dr67
HondaCR-V 4dr 4WD69
JeepCompass 4dr 4WD71
FordEscape 4dr71
SubaruForester 4dr 4WD74
MercuryMariner 4dr 4WD74
SaturnVue 4dr75
HyundaiTucson 4dr 4WD76
Mercury Mariner 4dr77
SaturnVue 4dr 4WD78
KiaSportage 4dr 4WD78
KiaSportage 4dr79
JeepCompass 4dr81
HyundaiTucson 4dr81
FordEscape Hybrid 4dr82
MercuryMariner Hybrid 4dr 4WD83
HondaElement 4dr 4WD84
PontiacTorrent 4dr85
ToyotaRAV4 4dr85
HondaElement 4dr86
ToyotaRAV4 4dr 4WD87
FordEscape Hybrid 4dr 4WD89
ChevroletEquinox 4dr 4WD94
PontiacTorrent 4dr 4WD94
ChevroletEquinox 4dr95
SaturnVue Hybrid 4dr96
MazdaCX-7 4dr98
MitsubishiOutlander 4dr98
SuzukiGrand Vitara 4dr 4WD108
SuzukiGrand Vitara 4dr116
MitsubishiOutlander 4dr 4WD129
JeepWrangler 4dr33
JeepWrangler 4dr 4WD46
Mercury Mountaineer 4dr 4WD51
FordEdge 4dr51
FordEdge 4dr 4WD54
DodgeNitro 4dr 4WD55
HyundaiSanta Fe 4dr 4WD59
BuickRendezvous 4dr60
FordExplorer Sport Trac 4dr 4WD60
FordFreestyle 4dr62
FordExplorer 4dr 4WD62
HondaPilot 4dr62
HondaPilot 4dr 4WD64
NissanXterra 4dr 4WD65
DodgeNitro 4dr65
FordExplorer Sport Trac 4dr66
ToyotaHighlander 4dr66
ToyotaHighlander 4dr 4WD69
FordFreestyle 4dr 4WD70
FordExplorer 4dr70
ToyotaFJ Cruiser 2dr 4WD70
ToyotaHighlander Hybrid 4dr 4WD70
Toyota4Runner 4dr 4WD71
HummerH3 4dr 4WD72
HyundaiSanta Fe 4dr73
HondaRidgeline 4dr 4WD73
Toyota 4Runner 4dr73
KiaSorento 4dr73
JeepLiberty 4dr 4WD75
NissanPathfinder 4dr76
ToyotaHighlander Hybrid 4dr76
NissanXterra 4dr77
NissanPathfinder 4dr 4WD79
JeepGrand Cherokee 4dr 4WD79
KiaSorento 4dr 4WD79
GMCEnvoy 4dr79
GMCEnvoy 4dr 4WD80
NissanMurano 4dr81
JeepLiberty 4dr82
JeepGrand Cherokee 4dr82
SubaruB9 Tribeca 4dr 4WD83
ChryslerPacifica 4dr84
SuzukiXL7 4dr85
ChevroletTrailBlazer 4dr 4WD85
ChevroletTrailBlazer 4dr87
ChryslerPacifica 4dr 4WD88
MitsubishiEndeavor 4dr89
IsuzuAscender 4dr 4WD89
NissanMurano 4dr 4WD90
MitsubishiEndeavor 4dr 4WD92
ToyotaFJ Cruiser 2dr92
IsuzuAscender 4dr96
GMCAcadia 4dr 4WD30
SaturnOutlook 4dr33
GMCAcadia 4dr39
ChryslerAspen 4dr55
FordExpedition 4dr 4WD57
GMCYukon 4dr62
ChevroletTahoe 4dr 4WD67
ChevroletTahoe 4dr69
ToyotaSequoia 4dr70
JeepCommander 4dr70
ToyotaSequoia 4dr 4WD74
FordExpedition 4dr77
JeepCommander 4dr 4WD77
NissanPathfinder Armada 4dr78
ChryslerAspen 4dr 4WD78
GMCYukon 4dr 4WD79
NissanPathfinder Armada 4dr 4WD82
DodgeDurango 4dr86
DodgeDurango 4dr 4WD87
VolkswagenTouareg 4dr 4WD108
ChevroletSuburban 1500 4dr54
ChevroletSuburban 1500 4dr 4WD57
GMCYukon XL 1500 4dr60
GMCYukon XL 1500 4dr 4WD71
ChevroletAvalanche 1500 4dr 4WD80
HummerH2 4dr 4WD81
HummerH2 SUT 4dr 4WD82
ChevroletAvalanche 1500 4dr86
FordExpedition EL 4dr 4WD88
FordExpedition EL 4dr96
LincolnMKX 4dr 4WD38
LincolnMKX 4dr54
AcuraMDX 4dr 4WD63
VolvoXC90 4dr65
VolvoXC90 4dr 4WD69
BuickRainier 4dr 4WD70
AcuraRDX 4dr 4WD72
BuickRainier 4dr78
BMWX5 4dr 4WD82
Saab9-7X 4dr 4WD85
BMWX3 4dr 4WD94
MercedesM class 4dr 4WD98
LexusRX 350 4dr 4WD99
LexusRX 350 4dr104
InfinitiFX35 4dr105
LexusRX 400h Hybrid 4dr 4WD107
CadillacSRX 4dr108
InfinitiFX35 4dr 4WD114
LexusRX 400h Hybrid 4dr130
InfinitiFX45 4dr 4WD137
Land RoverLR3 4dr 4WD63
ToyotaLand Cruiser 4dr 4WD65
LexusGX 470 4dr 4WD78
LexusLX 470 4dr 4WD88
InfinitiQX56 4dr92
CadillacEscalade 4dr 4WD95
CadillacEscalade 4dr103
InfinitiQX56 4dr 4WD107
AudiQ7 4dr 4WD111
Land RoverRange Rover 4dr 4WD112
Land RoverRange Rover Sport 4dr 4WD114
MercedesGL class 4dr 4WD129
MercedesR class 4dr 4WD133
MercedesG class 4dr 4WD172
LincolnNavigator 4dr 4WD94
CadillacEscalade ESV 4dr 4WD101
LincolnNavigator 4dr111
CadillacEscalade EXT 4dr 4WD135
FordE-150 Econoline Wagon46
FordE-350 Econoline Wagon48
FordE-250 Econoline57
FordE-150 Econoline58
FordE-350 Econoline62
GMCSavana 2500 cargo series62
ChevroletExpress 1500 cargo series63
ChevroletExpress 2500 cargo series63
GMCSavana 3500 cargo series63
ChevroletExpress 3500 series66
GMCSavana 1500 cargo80
ChevroletExpress 3500 cargo series85
GMCSavana cargo 1500 series 4WD86
ChevroletExpress 1500 cargo series 4WD88

Please check back soon as we launch the report for the following year.

The specialty section truck section has been eliminated because most of these vehicles have been reclassified as sport utility vehicles. We would like to thank the NHTSA and the HLDI for providing this data

** LWB = Long Wheelbase

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