Injury, Collision,
& Theft Losses
By make and model, 2000-02 models
September 2003
HIGHWAY LOSS
DATA INSTITUTE
1005 North Glebe Road, Arlington, VA 22201 703/247-1600 Fax 703/247-1595
The Highway Loss Data Institute 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 losses vary among different
kinds of vehicles.
GUIDE TO THIS REPORT
The table inside summarizes the recent insurance injury, collision, and
theft losses of passenger cars, pickup trucks, and utility vehicles. Results
are based on the loss experience of 2000-02 models from their first sales
through May 2003. For vehicles that were newly introduced or redesigned
during these years, the results shown in this publication are based only on
the most recent model years for which the vehicle designs were
unchanged — either 2001-02 or 2002 only. The results are grouped
according to vehicle body style and then according to size. A total of 315
passenger vehicles are listed.
The results show that insurance losses for injuries, vehicle damage, and
theft vary widely. Vehicle size is strongly related to injury and collision losses,
but these losses also vary among vehicles similar in body style and size.
All losses are stated in relative terms, with 100 representing the average
injury, collision, or theft loss for all cars. For example, a result of 122 is 22
percent worse than average. A result of 96 is 4 percent better than average. The vehicles are listed within each group in ascending sequence of
injury claim frequency results. For convenience, the results are colorcoded to indicate which ones are better and worse than the average. The
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).
The results in this publication are generally 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.
www.highwaysafety.org
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 publication. The results shown here are dominated by the
relatively frequent low to moderate severity collisions and associated
injuries. A separate report (go to highwaysafety.org/sr_ddr/sr3507.htm),
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 twoand four-door cars typically have high death rates and higher-than-average
insurance injury claims experience.
However, 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.
DEFINITIONS
Injury losses indicate the relative frequencies of injury claims per insured
vehicle year filed under Personal Injury Protection coverages in the 17 states
and District of Columbia that offer such coverages. Also called no-fault
insurance, Personal Injury Protection coverages pay for medical/hospital/
other expenses incurred by occupants of insured vehicles, up to specified
limits, regardless of fault in the crash.
Collision losses indicate the relative average loss payments per insured
vehicle year filed under collision coverages. Collision insurance provides
reimbursement for the cost of repairing crash damage to insured vehicles,
less a specified deductible amount for which the policyholder is responsible.
Theft losses indicate the relative average loss payments per insured vehicle
year filed under comprehensive coverages.
Relative average loss payments per insured vehicle year refer to the dollar
total of collision or theft loss payments for claims for a group of vehicles divided by the group’s exposure (aggregate years the vehicles have been insured).
FOUR-DOOR CARS
ALL VERY LARGE
Mercury Grand Marquis
Ford Crown Victoria
ALL LARGE
Oldsmobile Aurora
Buick LeSabre
Pontiac Bonneville
Buick Regal
Buick Century
Oldsmobile Intrigue
Chrysler 300M
Chevrolet Impala
Pontiac Grand Prix
Mercury Sable
Chrysler Concorde
Ford Taurus
Dodge Intrepid
ALL MIDSIZE
Saab 9-3
Volvo S60
Audi A4 Quattro
Toyota Avalon
Infiniti I35
Volkswagen Passat 4WD
Volkswagen Passat
Saturn LS
Acura TL series
Subaru Legacy/Outback 4WD
Nissan Maxima
Toyota Camry
Honda Accord
Chevrolet Malibu
Oldsmobile Alero
Chrysler Sebring
Mazda Millenia
Pontiac Grand Am
Mitsubishi Diamante
Nissan Altima
Dodge Stratus
Mazda 626
Hyundai Sonata
Chevrolet Cavalier
Pontiac Sunfire
Kia Optima
Daewoo Leganza
Mitsubishi Galant
ALL SMALL
Audi A4/S4 Quattro
Volvo S40
Subaru Impreza WRX 4WD
Volkswagen Golf
Volkswagen Jetta
Saturn SL
Infiniti G20
Chevrolet Prizm
Honda Civic
Mazda Protege
Ford Focus
Toyota Corolla
Hyundai Elantra
Nissan Sentra
Dodge Neon
Daewoo Lanos
Daewoo Nubira
Hyundai Accent
Mitsubishi Lancer
Kia Spectra sedan/hatchback
Kia Rio
Suzuki Esteem
ALL MINI
Toyota Echo
SPECIALTY CARS
ALL SMALL
Toyota Prius
Chrysler PT Cruiser
ALL MINI
Injury Collision
57
68
68
56
59
70
71
75
78
44
48
59
51
64
59
66
64
60
67
70
68 100
72
76
78
82
78
76
79
90
76
80
94
93
107
96
56 112
64 111
65 118
69
85
96
70
71 137
76 105
71
82
84 100
85
84
92
97
92
83
99
87
99
84
100
96
92
101
108 130
117 106
123 126
123 104
125
99
99
134
138 118
145 103
150 114
151 101
158 118
170 120
141 117
73 172
84 117
85 278
89
94
103 108
86
114
116 131
124 108
128 110
138 116
143 122
148 112
152 102
153 128
168 126
182 126
184 120
187 128
191 160
198 133
206 130
239 168
162 118
161 115
Theft
26
17
58
73
93
10
51
36
28
60
139
62
58
53
199
53
219
92
36
73
59
77
28
145
40
154
97
67
73
72
196
226
111
210
104
301
98
64
70
66
134
95
165
88
361
61
66
71
33
97
71
56
75
72
106
52
72
132
94
75
101
83
134
52
50
Injury Collision Theft
71
72
45
62 102
72
70
47
61
96
TWO-DOOR CARS
ALL LARGE
Pontiac Grand Prix
Chevrolet Monte Carlo
ALL MIDSIZE
Toyota Camry Solara conv.
Chrysler Sebring conv.
Oldsmobile Alero
Acura 3.2 CL
Chrysler Sebring
Pontiac Grand Am
Toyota Camry Solara
Mercury Cougar
Dodge Stratus
Honda Accord
Chevrolet Cavalier
Pontiac Sunfire
ALL SMALL
Volkswagen New Beetle
Volkswagen Golf
Saturn SC
Ford Focus
Acura RSX
Toyota Celica
Mitsubishi Eclipse
Honda Civic coupe
Hyundai Accent
Ford Escort
Mitsubishi Mirage
ALL MINI
Volkswagen Golf Cabriolet conv.
Toyota Echo
Daewoo Lanos
SPORTS CARS
ALL MIDSIZE
Jaguar XK series conv.
Volvo C70 conv.
Saab 9-3 conv.
Chevrolet Camaro conv.
Pontiac Firebird
Ford Mustang conv.
Chevrolet Camaro
Ford Mustang
ALL SMALL
Porsche 911 conv.
Porsche 911 Coupe
Chevrolet Corvette conv.
Lexus SC 430 conv.
Chevrolet Corvette
Porsche Boxster conv.
Mercedes SL class conv.
Mitsubishi Eclipse conv.
ALL MINI
BMW M/Z3 Roadster conv.
Audi TT Quattro coupe
Audi TT Quattro roadster
Honda S2000 conv.
Mercedes SLK class conv.
Mazda Miata conv.
Toyota MR2 Spyder conv.
Injury Collision
78
91
71
96
89
81
120 116
93
65
66
72
98
94
98 123
99 114
99 116
108 101
119 120
121 138
130 119
152 122
153 133
133 132
79
85
91 127
117
96
124 125
137 211
138 168
139 137
150 138
151 109
165 126
204 155
126 108
97
97
141 117
178 121
Theft
119
72
138
95
Injury Collision
102 146
48 185
62 110
64 118
77 135
90 170
97 124
98 171
120 144
50 135
33 175
35 225
38
87
38 135
39 104
46 140
47 158
114 129
64 116
51
91
51 119
57 110
61 183
62 114
87
81
96 153
Theft
173
57
73
180
105
107
93
69
151
134
74
63
221
41
116
37
64
164
163
104
55
75
156
52
56
43
198
182
226
150
321
492
390
114
185
131
81
253
90
58
Loss results for 2000-02 models are stated in relative terms (100
represents average 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
LUXURY CARS
ALL VERY LARGE
Cadillac DeVille
Jaguar XJ series LWB
BMW 7 series
BMW 7 series LWB
Mercedes S class LWB
Lincoln Town Car
ALL LARGE
Buick Park Avenue
Lexus LS 430
Mercedes E class 4dr 4WD
Cadillac Seville
Cadillac Eldorado
BMW 5 series 4dr
Lincoln LS
Jaguar XJ series
Lincoln Continental
Jaguar S-Type
Acura 3.5 RL
Mercedes E class 4dr
Lexus GS series
ALL MIDSIZE
Audi A6/S6 Quattro station wagon
Mercedes CLK class conv.
Audi A6 Quattro
Saab 9-5 station wagon
Saab 9-5
Volvo S80
BMW 3 series conv.
Mercedes CLK class
Lexus ES 300
BMW 3 series
Mercedes C class 4dr
BMW 3 series 2dr
Jaguar X-Type 4WD
Lexus IS 300 4dr
2WD PICKUP TRUCKS
ALL VERY LARGE
GMC Sierra 2500
Chevrolet Silverado 2500
Ford F-350
Ford F-250
Dodge Ram 2500
Dodge Ram 3500
ALL LARGE
GMC Sierra 1500
Chevrolet Silverado 1500
Ford F-150
Toyota Tundra
Dodge Ram 1500
ALL SMALL
Dodge Dakota
Mazda B
GMC Sonoma
Nissan Frontier
Chevrolet S10
Ford Ranger
Toyota Tacoma
Injury Collision
53 112
92
50
50 197
50 107
51 108
51 167
62
94
59 106
70
47
49 142
51 118
54 105
56 102
57 122
58
95
59 147
61
76
64 117
66
90
71 109
76 115
72 121
32 121
45 135
49 131
50 103
51 108
58 101
58
97
73 164
74
99
74 116
80 101
80 136
87 129
113 237
Injury Collision
34
70
13
48
55
19
31
71
37
62
43
83
51 113
60
80
53
82
83
58
58
77
65
83
67
81
83
91
74 102
76
74
77
87
82
82
82
94
87
88
93
95
Theft
167
122
245
335
96
158
10
185
143
43
286
159
66
180
142
82
291
146
130
74
29
42
416
264
120
135
56
337
387
Theft
167
63
228
148
138
155
151
141
148
122
210
101
115
67
70
90
128
79
121
Loss results for 2000-02 models are stated in relative terms (100
represents average 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
MINIVANS/STATION WAGONS Injury Collision Theft
ALL LARGE
GMC Safari 4WD
Chrysler Town & Country 4WD
Pontiac Montana
Oldsmobile Silhouette
Honda Odyssey
Chevrolet Astro 4WD
Chrysler Town & Country
Ford Windstar
Mercury Villager
GMC Safari
Chevrolet Venture
Toyota Sienna
Chevrolet Astro
Dodge Caravan/Grand Caravan
Mazda MPV
Chrysler Voyager
Kia Sedona
Nissan Quest
ALL MIDSIZE
Volvo V70
Volvo V70 4WD
Volkswagen Passat 4WD
Volkswagen Passat
Subaru Legacy/Outback 4WD
Saturn LW
ALL SMALL
Volkswagen Jetta
Subaru Impreza 4WD
Volvo V40
Mazda Protege5
Ford Focus
Suzuki Esteem
70
40
48
53
54
58
59
60
68
70
72
73
73
79
80
87
90
95
102
60
51
52
52
53
64
69
101
71
72
81
97
103
159
4WD PICKUP TRUCKS
Injury Collision
41
82
23
58
63
25
43
80
44 108
48
85
53 100
44
75
66
32
41
73
74
47
55
83
62
95
72 101
78
45
54
85
68 100
84
70
72 100
73
80
86 118
ALL VERY LARGE
GMC Sierra 2500
Chevrolet Silverado 2500
Ford F-250
Dodge Ram 3500
Ford F-350
Dodge Ram 2500
ALL LARGE
Chevrolet Silverado 1500
GMC Sierra 1500
Ford F-150
Dodge Ram 1500
Toyota Tundra
ALL SMALL
GMC Sonoma
Chevrolet S10
Dodge Dakota
Nissan Frontier
Toyota Tacoma
Mazda B
Ford Ranger
67
47
80
54
55
64
61
70
65
67
61
60
68
61
74
62
66
89
67
73
100
97
90
80
65
64
95
69
98
93
104
89
115
53
34
25
24
34
71
35
54
48
30
53
81
77
53
130
68
26
12
42
31
20
50
44
Theft
166
76
72
204
234
205
154
122
92
139
96
203
115
91
77
91
79
101
134
69
2WD SPECIALTY TRUCKS
Injury Collision Theft
46
39
64
39
64
44
67 122
44
67 122
4WD SPECIALTY TRUCKS
Injury Collision Theft
53
42
75 279
40
71 153
52
76
89
52
76
89
ALL VERY LARGE
ALL LARGE
Chevrolet Avalanche 1500
ALL MIDSIZE
Ford Explorer Sport Trac
ALL VERY LARGE
ALL LARGE
Chevrolet Avalanche 1500
ALL MIDSIZE
Ford Explorer Sport Trac
2WD UTILITY VEHICLES
ALL VERY LARGE
Ford Excursion
ALL LARGE
GMC Yukon XL 1500
Chevrolet Tahoe
GMC Yukon
Chevrolet Suburban 1500
Toyota Sequoia
Lincoln Navigator
Ford Expedition
ALL MIDSIZE
GMC Envoy
Chevrolet TrailBlazer
Buick Rendezvous
Lexus RX 300
Ford Explorer 4dr
Jeep Grand Cherokee
Infiniti QX4
Toyota Highlander
Mercury Mountaineer
Chevrolet Blazer 4dr
Honda Passport
Nissan Pathfinder
Pontiac Aztek
Nissan Xterra
Toyota 4Runner
Dodge Durango
Isuzu Trooper
Jeep Liberty
Ford Explorer 2dr
Chevrolet Blazer 2dr
Isuzu Rodeo 4dr
Mitsubishi Montero Sport
ALL SMALL
Ford Escape
Honda CR-V
Mazda Tribute
Toyota RAV4
Chevrolet Tracker
Suzuki Grand Vitara
Kia Sportage 4dr
Suzuki Vitara 4dr
Kia Sportage 2dr
Injury Collision
31
46
31
46
47
64
20
48
23
54
25
54
37
55
61
57
61
77
66
68
83
80
73
38
41
92
55
56
64
68
71
71
71
72
72 107
73
59
73
74
74
62
76
89
77
91
83
74
76
86
88
88
89
87
99
89
96
59
96
97
98
90
103
84
119
98
109
85
46
55
76
90
96
64
123 101
98
132
142 103
163
93
167
83
186 114
4WD UTILITY VEHICLES
Theft
180
180
212
115
156
194
94
112
409
239
121
ALL VERY LARGE
Ford Excursion
ALL LARGE
GMC Yukon XL 1500
GMC Yukon
Chevrolet Tahoe
Lexus LX series
Land Rover Range Rover
Chevrolet Suburban 2500
Toyota Land Cruiser
Chevrolet Suburban 1500
Cadillac Escalade
Lincoln Navigator
Ford Expedition
Toyota Sequoia
ALL MIDSIZE
Chevrolet TrailBlazer
Buick Rendezvous
GMC Envoy
Acura MDX
BMW X5
Oldsmobile Bravada
Jeep Grand Cherokee
Lexus RX 300
Ford Explorer 4dr
Mercedes M class
Land Rover Discovery Series II
Mercury Mountaineer
Isuzu Trooper
Toyota Highlander
Chevrolet Blazer 4dr
Infiniti QX4
Jeep Liberty
Chevrolet Blazer 2dr
Dodge Durango
Nissan Xterra
Toyota 4Runner
Ford Explorer 2dr
Nissan Pathfinder
Isuzu Rodeo 4dr
Mitsubishi Montero Sport
Suzuki Grand Vitara XL-7
Honda Passport
Mitsubishi Montero
ALL SMALL
Ford Escape
Jeep Wrangler
Saturn VUE
Subaru Forester
Mazda Tribute
Hyundai Santa Fe
Honda CR-V
Chevrolet Tracker 2dr
Chevrolet Tracker 4dr
Toyota RAV4
Suzuki Grand Vitara
Kia Sportage 4dr
Suzuki Vitara 4dr
71
71
124
113
45
116
115
100
51
99
169
209
126
118
165
82
255
101
33
31
178
114
128
Loss results for 2000-02 models are stated in relative terms (100
represents average 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
Injury Collision Theft
39
67 231
39
66 230
49
73 238
31
52 155
32
61 231
63 107
34
37
87 403
40 112
41
78
74 218
42
47
62
82
59 104 1099
91 464
63
63
65 173
77
72 204
76
83 115
76
52
46
53
55
56
82
98
91
58
70
60
94 438
63
76
76
64
98
65
81 112
65
86
70
70
74 104
71 174 150
71
67
71 105 102
72
38
65
61
72
81
73 112 119
77
68
80
78
85 108
95 145
81
83
85
80
91
98 177
92 107 114
96 113
92
94
97
94
119
98 206
120 101
124 106 128
132 120 295
85
83 107
35
48
53
65
69 138
54
66
68
83
40
75
19
60
68
43
86
91
76
29
100
95
107 100
52
108
95 173
137 118
94
142 104 108
147
98
MEMBER GROUPS
The following member insurers support the
work of the Highway Loss Data Institute and
Insurance Institute for Highway Safety:
21st Century Insurance
Alfa Insurance
Allstate Insurance Group
American Express Property and Casualty
American Family Mutual Insurance
American National Property and Casualty
Amica Mutual Insurance Company
Auto Club Group
Auto Club South Insurance Company
Bituminous Insurance Companies
California State Automobile Association
Capital Insurance Group
Chubb Group of Insurance Companies
Concord Group Insurance Companies
Cotton States
Country Insurance & Financial Services
Erie Insurance Group
Farm Bureau Financial Services
Farmers Insurance Group of Companies
Farmers Mutual of Nebraska
Frankenmuth
The GEICO Group
General Casualty Insurance Companies
GMAC Insurance Group
Grange Insurance
Harleysville Insurance Companies
The Hartford
Idaho Farm Bureau
Liberty Mutual Insurance Group
Merastar
Mercury General Group
MetLife Auto & Home
Middlesex Mutual
Montgomery Insurance Companies
MSI Insurance Companies
Mutual of Enumclaw
National Grange Mutual
Nationwide Insurance
North Carolina Farm Bureau
Oklahoma Farm Bureau
Oregon Mutual Group
OrionAuto
Palisades Safety and Insurance Association
Parkway Insurance
Pekin Insurance
PEMCO Insurance Companies
Preserver Group
The Progressive Corporation
Prudential Financial
Response Insurance
Rockingham Group
Royal & SunAlliance
SAFECO Property & Casualty
SECURA
Shelter Insurance Companies
Sompo Japan Insurance Company of America
South Carolina Farm Bureau Insurance
State Auto Insurance Companies
State Farm Insurance Companies
Tokio Marine
USAA
Virginia Farm Bureau
Virginia Mutual Insurance Company
Zurich North America