The National Highway Traffic Safety Administration (NHTSA) has provided the information in this booklet in compliance with Federal law as an aid to consumers considering the purchase of a new vehicle. The booklet compares differences in insurance costs for different makes and models of passenger cars, station wagons/passenger vans, pickups, and utility vehicles on the basis of damage susceptibility. However, it does not indicate a vehicle's relative safety.

The following table contains the best available information regarding the effect of damage susceptibility on insurance premiums. It was taken from data compiled by the Highway Loss Data Institute (HLDI) in its December 2000 Insurance Collision Report, and reflects the collision loss experience of passenger cars, utility vehicles, light trucks, and vans sold in the United States in terms of the average loss payment per insured vehicle year for model years 1998-2000. NHTSA has not verified the data in this table.

The table presents vehicles' collision loss experience in relative terms, with 100 representing the average for all passenger vehicles. Thus, a rating of 122 reflects a collision loss experience that is 22 percent higher (worse) than average while a rating of 96 reflects a collision loss experience that is 4 percent lower (better) than average. The table is not relevant for models that have been substantially redesigned for 2001, and it does not include information about models without enough claim experience.

Although many insurance companies use the HLDI information to adjust the "base rate" for the collision portion of their insurance premiums, the amount of any such adjustment is usually small. It is unlikely that your total premium will vary more than ten percent depending upon the collision loss experience of a particular vehicle. If you do not purchase collision coverage or your insurance company does not use the HLDI information, your premium will not vary at all in relation to these rankings.

In addition, different insurance companies often charge different premiums for the same driver and vehicle. Therefore, you should contact insurance companies or their agents directly to determine the actual premium that you will be charged for insuring a particular vehicle.

PLEASE NOTE: In setting insurance premiums, insurance companies mainly rely on factors that are not directly related to the vehicle itself (except for its value). Rather, they mainly consider driver characteristics (such as age, gender, marital status, and driving record), the geographic area in which the vehicle is driven, how many miles are traveled, and how the vehicle is used. Therefore, to obtain complete information about insurance premiums, you should contact insurance companies or their agents directly.

Insurance companies do not generally adjust their premiums on the basis of data reflecting the crashworthiness of different vehicles. However, some companies adjust their premiums for personal injury protection and medical payments coverage if the insured vehicle has features that are likely to improve its crashworthiness, such as air bags.

Test data relating to vehicle crashworthiness are available from NHTSA's New Car Assessment Program (NCAP). NCAP test results demonstrate relative frontal and side crash protection in new vehicles. Information on vehicles that NHTSA has tested in the NCAP program can be obtained by calling the agency's toll-free Auto Safety Hotline at (888) 327-4236 and through the NHTSA Web Page at www.nhtsa.dot.gov.
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Volkswagen Volkswagen Daewoo	New Beetle Golf Cabriolet conv. Lanos	83 91 95	Volkswagen Chevrolet Toyota Suzuki	Golf Metro Echo Swift	109 120 144 146

 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Volkswagen Toyota	Golf Echo	89 124	Chevrolet	Metro	159

 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Mazda BMW Mercedes Audi	MX-5 Miata conv. Z3 Roadmaster conv. SLK class conv. TT coupe	94 101 113 122	Honda Audi BMW	S200 conv. TT Quattro coupe M coupe	169 174 229

NOTE: Every model represents over 1,000 insured vehicle years and at least 100 claims. The experience for previous or discontinued models from 1998-2000 is included in the class averages.
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Honda  Hyundai Ford Ford Honda Mitsubishi	Civic hatchback  Accent Focus Escort Civic coupe Eclipse	96  101 103 119 127 128	Subaru  Mitsubishi Honda Toyota Acura Hyundai	Impreza 4WD  Mirage Prelude Celica Integra Tiburon	144  160 165 168 171 209

 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Saturn  Volkswagen Ford Honda Chevrolet Infiniti Subaru Toyota Plymouth Hyundai Volvo Dodge	SL  Jetta Escort Civic Prizm G20 Impreza 4WD Corolla Neon Accent S40 Neon	85  100 101 106 107 110 112 115 116 121 123 123	Daewoo  Mazda Audi Ford Nissan Kia Daewoo Acura Hyundai Audi Mitsubishi Suzuki	Nubira  Protege A4 Focus Sentra Sephia Lanos Integra Elantra A4 Quattro Mirage Esteem	125  125 127 129 131 136 138 144 144 144 161 166

NOTE: Every model represents over 1,000 insured vehicle years and at least 100 claims. The experience for previous or discontinued models from 1998-2000 is included in the class averages.
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Volvo  Saturn Daewoo Ford	V40  SW Nubira Focus	64  70 75 87	Suzuki  Subaru Hyundai Audi	Esteem  Impreza 4WD Elantra A4 Avant Quattro	97  104 104 142

 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Chevrolet  Chevrolet Porsche	Corvette conv.  Corvette 911 conv.	129  135 135	Porsche  Mercedes Porsche	Boxster conv.  SL class conv. 911 coupe	135  181 190

 
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Toyota  Saturn Pontiac Chrysler Oldsmobile Honda Pontiac Chevrolet	Camry Solara  SC Sunfire conv. Sebring conv. Alero Accord Grand Am Cavalier conv.	96  97 102 103 106 109 111 112	Mercury  Chrysler Chevrolet Dodge Saab Pontiac Volvo	Cougar  Sebring Cavalier Avenger 9-3 Sunfire C70	112  116 123 131 131 132 173

NOTE: Every model represents over 1,000 insured vehicle years and at least 100 claims. The experience for previous or discontinued models from 1998-2000 is included in the class averages.
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Buick  Subaru Saturn Toyota Volvo Saab Mercury Infiniti Chevrolet Honda Toyota Ford Acura Lexus Nissan Chrysler Oldsmobile	Century  Legacy/Outback 4WD LS Avalon S70 4WD 9-5 Mystique I30 Malibu Accord Camry Contour TL series ES 300 Maxima Cirrus Alero	68  68 73 76 78 78 80 84 85 86 87 88 95 95 96 97 97	Volkswagen  Dodge Pontiac Mazda Plymouth Volvo Saab Nissan Chevrolet Cadillac Volvo Mitsubishi Pontiac Daewoo Mitsubishi Hyundai Mazda	Passat  Stratus Grand Am 626 Breeze S80 9-3 Altima Cavalier Catera S70 Diamante Sunfire Leganza Galant Sonata Millenia	99  101 101 101 103 103 106 106 106 107 108 110 113 125 129 134 140

 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Saturn  Subaru Saab	LW  Legacy/Outback 4WD 9-5	57  65 70	Volkswagen  Volvo Volvo	Passat  V70 V70 4WD	82  99 101

NOTE: Every model represents over 1,000 insured vehicle years and at least 100 claims. The experience for previous or discontinued models from 1998-2000 is included in the class averages.
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Plymouth  Volvo Pontiac Saab Ford Ford	Prowler  C70 conv. Firebird conv. 9-3 conv. Mustang conv. Mustang	98  112 123 125 134 142	Chevrolet  Chevrolet Pontiac Jaguar Jaguar	Camaro conv.  Camaro Firebird XK series XK series conv.	148  161 163 187 266

 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Mercedes  Audi Audi BMW Audi	CLK class conv.  A6 4-dr A6 Avant Quattro station wag. 3 series 4-dr A6 Quattro 4-dr	114  116 120 127 128	Mercedes  BMW Lexus Mercedes	C class 4-dr  3 series 2-dr SC 300/400 2-dr CLK class 2-dr	134  139 151 159

 
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Chevrolet	Monte Carlo	76	Pontiac	Grand Prix	90

NOTE: Every model represents over 1,000 insured vehicle years and at least 100 claims. The experience for previous or discontinued models from 1998-2000 is included in the class averages.
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Buick  Buick Buick Chevrolet Oldsmobile Pontiac Chevrolet	LeSabre  Park Avenue Regal Impala Intrigue Bonneville Lumina	55  65 68 72 73 74 75	Mercury  Pontiac Ford Chrysler Dodge Chrysler Chrysler	Sable  Grand Prix Taurus Concorde Intrepid LHS 300M	81  82 84 90 96 97 107

 
 

NOTE: Every model represents over 1,000 insured vehicle years and at least 100 claims. The experience for previous or discontinued models from 1998-2000 is included in the class averages.
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Lincoln  Acura Lincoln Cadillac Cadillac Mercedes Jaguar Mercedes Mercedes	Continental 4-dr  3.5 RL 4-dr LS 4-dr Eldorado 2-dr Seville 4-dr E class stat. wag. S-Type 4-dr E class 4-dr 4WD E class 4-dr	87  89 97 99 101 111 112 125 129	Mercedes  BMW Infiniti Lexus Lexus BMW Jaguar Audi	E class stat. wag. 4WD  5 series 4-dr Q45 4-dr LS 400 4-dr GS 300/400 4-dr 5 series stat. wag. XJ series 4-dr A8 Quattro 4-dr	136  140 142 143 145 159 208 217

 
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Mercury	Grand Marquis	69	Ford	Crown Victoria	72

 
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Cadillac  BMW Lincoln	DeVille 4-dr  7 series 4-dr Town Car 4-dr	93  102 103	BMW  Mercedes Jaguar	7 series 4-dr LWB  S class 4-dr LWB VDP 4-dr LWB	129  182 183

 

SWB = short wheelbase

LWB = long wheelbase
 

NOTE: Every model represents over 1,000 insured vehicle years and at least 100 claims. The experience for previous or discontinued models from 1998-2000 is included in the class averages.
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Isuzu  Mazda Isuzu Nissan GMC Mazda Ford Chevrolet	Hombre series 4WD  B series Hombre series Frontier series 4WD Sonoma/T15 series 4WD B series 4WD Ranger series T10 series 4WD	63  73 74 76 79 82 87 88	GMC  Chevrolet Nissan Dodge Toyota Ford Dodge Toyota	Sonoma/S15 series  S10 series Frontier series Dakota series 4WD Tacoma series 4WD Ranger series 4WD Dakota series Tacoma series	90  91 94 98 106 107 109 114

 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
GMC  Ford Ford Chevrolet Chevrolet Chevrolet GMC GMC Ford Chevrolet Ford Chevrolet Chevrolet GMC GMC	Sierra 2500 series  F-250 series F-350 series 2500 series 4WD 2500 series 3500 series 2500 series Sierra 2500 series 4WD F-150 series 4WD Silverado 2500 series 4WD F-150 series 3500 series 4WD Silverado 1500 series 4WD Sierra 1500 series Sierra 1500 series 4WD	55  60 64 65 67 67 68 68 69 71 72 73 74 74 75	Chevrolet  Chevrolet GMC Toyota GMC Ford Ford Dodge GMC Dodge Dodge Toyota Dodge Dodge Dodge	Silverado 2500 series  Silverado 1500 series 2500 series 4WD Tundra series 3500 series F-250 series 4WD F-350 series 4WD Ram 1500 series 3500 series 4WD Ram 1500 series 4WD Ram 2500 series Tundra series 4WD Ram 2500 series 4WD Ram 3500 series Ram 3500 series 4WD	75  79 82 82 83 86 87 91 93 94 97 104 106 113 121

NOTE: Every model represents over 1,000 insured vehicle years and at least 100 claims. The experience for previous or discontinued models from 1998-2000 is included in the class averages.
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Nissan  Oldsmobile Jeep GMC Chevrolet GMC Chevrolet Lexus Jeep Nissan Ford Mercury Mercedes Ford GMC Mercury Lexus Dodge Dodge	Xterra 4-dr  Bravada 4WD Grand Cherokee 4-dr Jimmy 4-dr Blazer 4-dr 4WD Jimmy 4-dr 4WD Blazer 4-dr RX 300 4-dr Grand Cherokee 4-dr 4WD Xterra 4-dr 4WD Explorer 4-dr Mountaineer 4-dr M class 4-dr 4WD Explorer 4-dr 4WD Jimmy 2-dr 4WD Mountaineer 4-dr 4WD RX 300 4-dr 4WD Durango 4-dr Durango 4-dr 4WD	58  58 62 64 67 68 68 70 76 78 78 79 82 82 82 82 87 90 91	Isuzu  Chevrolet Chevrolet Nissan Isuzu Ford Isuzu Infiniti Mitsubishi Honda Honda Toyota GMC Ford Nissan Toyota Mitsubishi Mitsubishi Land Rover	Trooper 4-dr 4WD  Blazer 2-dr Blazer 2-dr 4WD Pathfinder 4-dr Rodeo 4-dr Explorer 2-dr Rodeo 4-dr 4WD QX4 4-dr 4WD Montero Sport 4-dr Passport 4-dr 4WD Passport 4-dr 4Runner 4-dr Jimmy 2-dr Explorer 2-dr 4WD Pathfinder 4-dr 4WD 4Runner 4-dr 4WD Montero Sport 4-dr 4WD Montero 4-dr 4WD Discovery series II 4-dr 4WD	93  95 95 103 104 104 107 109 109 109 113 117 118 124 126 131 132 143 174

NOTE: Every model represents over 1,000 insured vehicle years and at least 100 claims. The experience for previous or discontinued models from 1998-2000 is included in the class averages.
 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Chevrolet  Chevrolet Chevrolet Chevrolet Ford Ford GMC	Suburban 1500 4-dr  Tahoe 4-dr Suburban 1500 4-dr 4WD Tahoe 4-dr 4WD Expedition 4-dr Expedition 4-dr 4WD Yukon 4-dr 4WD	51  58 63 64 67 74 76	Lincoln  Chevrolet Lincoln Cadillac Toyota Land Rover Lexus	Navigator 4-dr  Tahoe 4-dr (redesigned) Navigator 4-dr 4WD Escalade 4-dr 4WD Land cruiser 4-dr 4WD Range Rover 4.0 SE 4-dr 4WD LX series 4WD	88  98 99 108 117 125 144

 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
Ford	Excursion 4-dr 4WD	73	Ford	Excursion 4-dr	90

 
 

Make	Model	Relative Loss Payment	Make	Model	Relative Loss Payment
GMC  Dodge Ford Chevrolet Chevrolet Chevrolet Dodge Dodge GMC Ford Chevrolet Dodge	Savana 1500  B2500 wagon E-150 Econoline Club Astro cargo 4WD Express Van 1500 Express Cargo Van 2500 ext. B1500 cargo B3500 cargo Safari ext. cargo 4WD E-350 Econoline cargo Express Cargo Van 3500 ext. B2500 cargo	46 47 50 51 57 60 61 64 68 69 70 70	GMC  Chevrolet Ford Dodge Ford Chevrolet Chevrolet Chevrolet GMC GMC Ford GMC	Savana 1500 cargo  Express Cargo Van 1500 E-350 Econoline Club B3500 Wagon E-150 Econoline cargo Express Van 3500 ext. Express Van 2500 ext. Astro cargo Savana 2500 ext. cargo Safari ext. cargo E-250 Econoline cargo Savana 3500 ext. cargo	72  72 72 72 73 78 79 82 82 85 87 101

NOTE: Every model represents over 1,000 insured vehicle years and at least 100 claims. The experience for previous or discontinued models from 1998-2000 is included in the class averages.
 

If you would like more details about the information in these tables, or wish to obtain the complete Insurance Collision Report, please contact HLDI directly, at: