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The Highway Loss Data Institute (HLDI) recently released their claims data showing which vehicles have the highest and lowest overall insurance losses. The safety research organization found that even though many vehicles now do well in crash tests, the role of vehicle size is important.

 

Minicars and those models with powerful engines have more injury claims than other vehicle types, while sports cars and luxury vehicles incur the greater damage costs. The IIHS also says that larger vehicles protect people better than smaller ones in real-world crashes.

 

The vehicles with the lowest overall losses for 2009-2011 include the Chevrolet Tahoe hybrid and two-door Jeep Wrangler. On the other end, the highest losses went to some of the most expensive models--Ferrari California and Maserati GranTurismo.

 

On models priced under $30,000, the Mitsubishi Lancer AWD and Hyundai Genesis coupe had the highest losses. The Jeep again is on the lowest list, as well as the Toyota FJ Cruiser.

 

Best and worst cars for personal injuries…

 

Lowest claim frequency: Personal injury protection

 

Vehicle                                                         Vehicle size & class                      Claim frequency

Porsche 911 (2-door)                                    Midsize sports car                          32

Chevrolet Corvette (2-door)                          Midsize sports car                          38

Chevrolet Silverado 2500 crew 4WD            Very large pickup                           39

Mercedes-Benz SL-class convertible            Midsize sports car                         42

Jeep Grand Cherokee                                   Midsize SUV                                 42

Lexus LX 570 4WD                                       Large luxury SUV                          42

Land Rover Range Rover 4WD                    Large luxury SUV                          44

Chevrolet Silverado 1500 4WD                    Large pickup                                  44

Ford F-150 4WD                                           Large pickup                                  44

Cadillac Escalade ESV 4WD                        Very large luxury SUV                   45

 

 

Highest claim frequency: Personal injury protection

Vehicle                                                         Vehicle size & class                      Claim frequency

Toyota Yaris                                                  Mini four-door car                           201

Suzuki SX4                                                    Small four-door car                        187

Chevrolet Aveo                                              Mini four-door car                          183

Mitsubishi Galant                                           Midsize four-door car                    179

Kia Rio                                                           Mini four-door car                          175

Hyundai Accent                                             Mini four-door car                          173

Nissan Versa                                                Small four-door car                        173

Dodge Avenger                                             Midsize four-door car                     167

Nissan Sentra                                               Small four-door car                         162

Chevrolet Aveo                                             Mini station wagons/minivan          157

 

 

Affiliated with the Insurance Institute for Highway Safety (IIHS), HLDI claims information is helpful for car buyers to know how expensive a vehicle will be to repair and how much their premiums will cost, but there is more to the purchase decision than insurance claims in the event of a crash.

 

Consumer Reports provides the full cost of vehicle ownership, which include depreciation, fuel, interest on financing, insurance, sales tax, and average maintenance and repair costs. Insurance makes up only about 10 percent of ownership costs over five years. Depreciation (48 percent), fuel (24 percent), and interest on a typical loan (11 percent) are all greater cost factors. Further, our data shows that SUVs and luxury vehicles overall are more expensive to own. The least expensive vehicles include small cars such as the Honda Fit and Toyota Prius C.

 

Before you make a purchase decision on a new car, it's important to look at a variety of factors such as how the vehicle performs in Consumer Reports' tests, its reliability, crash test ratings and cost of vehicle ownership. By looking at the total picture, a car buyer can be prepared to know not only how much a vehicle is to buy, but also to maintain for many years.

 

Read more at Consumer Reports:

What that car really costs to own

Stopping crashes with smarter cars

Who makes the best cars?