See the Insurance losses:Best & Worst: 2007-09 models
- From IIHS: Auto insurance covers damage to vehicles and property in crashes plus injuries to the people involved in the crashes. Different insurance coverages pay for vehicle damage versus injuries. Different insurance coverages also may apply depending on who's at fault — first-party insurance pays for your own losses, while third-party pays for losses to other people and property for which you're liable.
Losses vary widely among vehicles under all six coverages — even vehicles that are similar in size and type.
All losses are stated in relative terms, with 100 representing the average injury, collision, or theft loss for all vehicles. For example, a result of 122 is 22 percent worse than average, and 96 is 4 percent better than average. The vehicles are listed within each group in ascending sequence results. For convenience, the overall results are color-coded to indicate better and worse than average. The results also are adjusted, or standardized, to reduce possible distortions from other non-vehicle factors — operator age, calendar year, density, gender, marital status, model year, risk (standard or non-standard), and state. Collision and comprehensive are also adjusted for deductible amount.
These insurance loss results generally are good predictors of the experience of current versions of the same vehicle models. But when automakers substantially redesign their passenger vehicles, the experience of an earlier model with the same name (but not same design) may not predict the experience of the newer design.