Insurance Cost Information |
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Topics: National Highway Traffic Safety Administration
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Barry Felrice
Federal Register
March 22, 1994
[Federal Register: March 22, 1994]
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DEPARTMENT OF TRANSPORTATION
National Highway Traffic Safety Administration
[Docket No. 74-40; Notice 7]
Insurance Cost Information
AGENCY: National Highway Traffic Safety Administration (NHTSA), DOT.
ACTION: Notice of Text and Data for 1994 Insurance Cost Information
Booklet.
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SUMMARY: This notice provides the 1994 text and data that new car
dealers must include in an insurance cost information booklet that they
must make available to prospective purchasers, pursuant to 49 CFR
582.4. This information may assist prospective purchasers in comparing
differences in passenger vehicle collision loss experience that could
affect auto insurance costs.
FOR FURTHER INFORMATION CONTACT: Mr. Orron Kee, Office of Market
Incentives, NHTSA, 400 Seventh Street SW, Washington, DC 20590 (202-
366-4936).
SUPPLEMENTARY INFORMATION: Pursuant to section 201(e) of the Motor
Vehicle Information and Cost Savings Act, 15 U.S.C. 1941(e), on March
5, 1993, 58 FR 12545, the National Highway Traffic Safety
Administration (NHTSA) amended 49 CFR part 582, Insurance Cost
Information Regulation, to require dealers of new automobiles to
distribute to prospective customers information that compares
differences in insurance costs of different makes and models of
passenger cars based on differences in damage susceptibility. On March
17, 1994, NHTSA denied a petition submitted by the National Automobile
Dealers Association (NADA) for NHTSA to reconsider part 582 insofar as
it requires new automobile dealers to prepare the requisite number of
copies for distribution of the insurance cost information to
prospective purchasers.
Pursuant to 49 CFR 582.4, new automobile dealers are required to
make available to prospective purchasers booklets that include this
comparative information as well as certain mandatory explanatory text
that is set out in section 582.5. Early each year, NHTSA publishes
updated annual data in the Notices section of the Federal Register.
Booklets reflecting the updated data must be available for distribution
to prospective purchasers without charge within 30 days from the date
of publication of the data in the Federal Register.
NHTSA has mailed a sample copy of the 1994 booklet to each dealer
on the mailing list that the Department of Energy uses to distribute
the ``Gas Mileage Guide.'' Dealers will have the responsibility of
reproducing a sufficient number of copies of the booklet to assure that
they are available for retention by prospective purchasers by April 21,
1994. Dealers who do not receive a copy of the booklet within 15 days
of the date of this notice should contact Mr. Nelson Gordy of NHTSA's
Office of Market Incentives ((202) 366-4797) to receive a copy of the
booklet and to be added to the mailing list.
The required text and data are as follows:
February 1994
Comparison of Differences in Insurance Costs for Passenger Motor
Vehicles on the Basis of Damage Susceptibility
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 car. The
booklet compares differences in insurance costs for different makes and
models of passenger cars 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 auto insurance
premiums. It was taken from data compiled by the Highway Loss Data
Institute (HLDI) in its December 1993 Insurance Collision Report, and
reflects the collision loss experience of passenger vehicles sold in
the United States in terms of the average loss payment per insured
vehicle year for model years 1991-1993. 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 per cent lower (better) than
average. The table does not include information about new models,
models that have been substantially redesigned, and models without
enough claim experience.
Although many insurance companies use the HLDI information to
adjust the ``base rate'' for the collision portion of their auto
insurance premiums, the amount of any such adjustment is usually small.
It is unlikely that your total premium will vary more than five per
cent 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 directly to determine the actual premium that you
will be charged for insuring a particular vehicle.
Please Note: In setting auto 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 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
airbags and automatic seatbelts.
Test data relating to vehicle crashworthiness are available from
NHTSA's New Car Assessment Program (NCAP). NCAP test results
demonstrate relative frontal 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
(800) 424-9393.
Collision Insurance Losses--Model Year 1991-93 Passenger Motor Vehicles*
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Relative
Make and Model loss
payment
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SMALL CARS
Two-Door Models
Average for small two-door models............................. 123
Subaru, Justy............................................. 98
Suzuki, Swift............................................. 99
Toyota, Tercel............................................ 101
Subaru, Justy 4-wd........................................ 103
Plymouth, Laser 4-wd...................................... 108
Ford, Festiva............................................. 109
Volkswagen, Fox........................................... 112
Mitsubishi, Precis........................................ 114
Dodge, Shadow Conv........................................ 114
Ford, Escort.............................................. 114
Mazda, 323................................................ 115
Plymouth, Sundance........................................ 115
Saturn, SC................................................ 119
Dodge, Shadow............................................. 119
Plymouth, Laser........................................... 119
Toyota, Celica Conv....................................... 121
Dodge, Colt............................................... 122
Toyota, Paseo............................................. 122
Plymouth, Colt............................................ 123
Geo, Metro................................................ 124
Nissan, Sentra............................................ 124
Hyundai, Excel............................................ 125
Mitsubishi, Eclipse....................................... 128
Eagle, Talon.............................................. 130
Toyota, Celica............................................ 131
Geo, Metro Conv........................................... 134
Eagle, Talon 4-wd......................................... 136
Dodge, Daytona............................................ 136
Pontiac, Lemans........................................... 138
Nissan, 240SX Conv........................................ 139
Mitsubishi, Eclipse 4-wd.................................. 143
Hyundai, Scoupe........................................... 147
Mazda, MX-3 Coupe......................................... 149
Volkswagen, Cabriolet..................................... 150
Mitsubishi, Mirage........................................ 152
Nissan, 240SX............................................. 155
Geo, Storm................................................ 161
Nissan, NX................................................ 163
Saab, 900................................................. 166
Isuzu, Impulse............................................ 199
Volkswagen, Corrado....................................... 273
Four-Door Models
Average for small four-door models............................ 105
Subaru, Justy 4-wd........................................ 78
Subaru, Loyale 4-wd....................................... 87
Ford, Escort.............................................. 95
Dodge, Shadow............................................. 100
Subaru, Loyale............................................ 101
Plymouth, Sundance........................................ 101
Mercury, Tracer........................................... 101
Nissan, Sentra............................................ 107
Toyota, Tercel............................................ 109
Suzuki, Swift............................................. 112
Geo, Metro................................................ 114
Hyundai, Excel............................................ 117
Volkswagen, Fox........................................... 120
Mazda, Protege............................................ 121
Toyota, Corolla........................................... 122
Hyundai, Elantra.......................................... 124
Geo, Prizm................................................ 124
Pontiac, Lemans........................................... 132
Isuzu, Stylus............................................. 155
Saab, 900................................................. 170
Station Wagons/Passenger Vans
Average for small wagons/pass. vans........................... 79
Mitsubishi, Expo LRV...................................... 55
Eagle, Summit............................................. 69
Plymouth, Colt Vista...................................... 70
Subaru, Loyale............................................ 74
Ford, Escort.............................................. 76
Subaru, Loyale 4-wd....................................... 77
Mercury, Tracer........................................... 80
Eagle, Summit 4-wd........................................ 82
Toyota, Corolla........................................... 96
Sports Models
Average for small sports models............................... 141
Mazda, MX-5 Miata Conv.................................... 87
Mercury, Capri Conv....................................... 109
Cadillac, Allante Conv.................................... 110
Honda, Del Sol. Conv...................................... 113
Dodge, Stealth............................................ 143
Mitsubishi, 3000GT........................................ 157
Toyota, MR2............................................... 173
Alfa Romeo, Spider Conv................................... 187
Chevrolet, Corvette....................................... 190
Porsche, 911 Targa/Coupe.................................. 192
Chevrolet, Corvette Conv.................................. 198
Mercedes, SL Conv. Series................................. 202
Mitsubishi, 3000GT 4-wd................................... 207
Saab, 900 Conv............................................ 208
Nissan, 300ZX............................................. 225
Dodge, Stealth 4-wd....................................... 269
Mazda, RX Coupe........................................... 313
Porsche, 911 Conv......................................... 343
MIDSIZE CARS
Two-Door Models
Average for Midsize two-door models........................... 106
Buick, Century............................................ 79
Oldsmobile, Cutlass....................................... 81
Buick, Regal.............................................. 85
Chevrolet, Lumina......................................... 85
Chevrolet, Cavalier Conv.................................. 87
Pontiac, Sunbird Conv..................................... 91
Buick, Skylark............................................ 92
Pontiac, Sunbird.......................................... 97
Ford, Tempo............................................... 98
Oldsmobile, Cutlass Conv.................................. 101
Chevrolet, Cavalier....................................... 101
Pontiac, Grand Am......................................... 103
Mercury, Topaz............................................ 103
Honda, Accord............................................. 104
Chrysler, LeBaron Conv.................................... 106
Oldsmobile, Achieva....................................... 107
Pontiac, Grand Prix....................................... 108
Honda, Civic.............................................. 117
Chrysler, LeBaron......................................... 118
Chevrolet, Beretta........................................ 120
Mazda, MX-6............................................... 128
Acura, Integra............................................ 135
Honda, Civic Coupe........................................ 143
Honda, Prelude............................................ 168
Ford, Probe............................................... 172
Four-Door Models
Average for midsize four-door models.......................... 89
Chevrolet, Lumina......................................... 65
Dodge, Dynasty............................................ 70
Oldsmobile, Cutlass Supreme............................... 73
Buick, Century............................................ 74
Oldsmobile, Cutlass Ciera................................. 77
Buick, Regal.............................................. 77
Chrysler, New Yorker...................................... 79
Ford, Tempo............................................... 80
Chrysler, LeBaron......................................... 80
Mercury, Topaz............................................ 81
Pontiac, Grand Prix....................................... 81
Buick, Skylark............................................ 83
Ford, Taurus.............................................. 84
Plymouth, Acclaim......................................... 84
Dodge, Spirit............................................. 84
Pontiac, Sunbird.......................................... 85
Saturn, SL................................................ 86
Mercury, Sable............................................ 86
Chevrolet, Cavalier....................................... 88
Chevrolet, Corsica........................................ 88
Pontiac, Grand Am......................................... 89
Mitsubishi, Galant........................................ 91
Honda, Accord............................................. 93
Volvo, 850................................................ 94
Nissan, Altima............................................ 99
Oldsmobile, Achieva....................................... 100
Toyota, Camry............................................. 102
Mitsubishi, Diamante...................................... 102
Subaru, Legacy 4-wd....................................... 105
Volvo, 240................................................ 105
Subaru, Legacy............................................ 109
Honda, Civic.............................................. 112
Nissan, Maxima............................................ 117
Hyundai, Sonata........................................... 124
Acura, Integra............................................ 127
Infiniti, G20............................................. 127
Mazda, 626................................................ 128
Lexus, ES 300............................................. 135
Audi, 90.................................................. 145
Volkswagen, Passat........................................ 152
Station-Wagons/Passenger Vans
Average for midsize wags./pass. vans.......................... 83
Saturn, Station Wagon..................................... 55
Buick, Century............................................ 65
Mitsubishi, Expo.......................................... 69
Chevrolet, Cavalier....................................... 76
Ford, Taurus.............................................. 77
Mercury, Sable............................................ 81
Subaru, Legacy............................................ 82
Oldsmobile, Cutlass Ciera................................. 82
Honda, Accord............................................. 84
Volvo, 240................................................ 92
Subaru, Legacy 4-wd....................................... 100
Volkswagen, Passat........................................ 114
Toyota, Camry............................................. 118
Sports Models
Average for midsize sports models............................. 141
Subaru, SVX 4-wd.......................................... 134
Ford, Mustang Conv........................................ 136
Pontiac, Firebird......................................... 136
Ford, Mustang............................................. 150
Nissan, 300ZX 2+2......................................... 155
Chevrolet, Camaro......................................... 167
Acura, NSX................................................ 322
Luxury Models
Average for midsize luxury models............................. 141
Buick, Riviera............................................ 91
Lincoln, Continental...................................... 92
Cadillac, Eldorado........................................ 112
Audi, 100................................................. 116
Volvo, 940/960 Four Door.................................. 122
Infiniti, J30............................................. 128
Volvo, 940/960 SW......................................... 131
Mercedes, 190E............................................ 139
Mercedes, 300 CE.......................................... 146
Jaguar, XJ-S Conv......................................... 166
BMW, 318i/325i Two Door................................... 167
Saab, 9000................................................ 171
Lexus, SC 300/400......................................... 172
BMW, 525i/535i............................................ 187
Jaguar, XJ-S.............................................. 192
BMW, 850i................................................. 208
BMW, 318i/325i Four Dr.................................... 208
BMW, 318i/325i Conv....................................... 234
Alfa Romeo, 164........................................... 272
LARGE CARS
Two-Door Models
Average for large two-door models............................. 90
Mercury, Cougar........................................... 89
Ford, Thunderbird......................................... 92
Four-Door Models
Average for large four-door models............................ 83
Dodge, Intrepid........................................... 79
Buick, LeSabre............................................ 80
Chevrolet, Caprice........................................ 80
Chrysler, New Yorker 5th Ave.............................. 80
Ford, Crown Victoria...................................... 81
Chrysler, Concorde........................................ 85
Mercury, Grand Marquis.................................... 85
Pontiac, Bonneville....................................... 87
Oldsmobile, Eighty-Eight.................................. 88
Oldsmobile, Ninety-Eight.................................. 89
Eagle, Vision............................................. 90
Buick, Roadmaster......................................... 90
Buick, Park Avenue........................................ 91
Acura, Vigor.............................................. 120
Station Wagons/Passenger Vans
Average for large SWS/pass vans............................... 71
Chevrolet, Astro Van...................................... 57
Dodge, Caravan 4-wd....................................... 59
Plymouth, Voyager 4-wd.................................... 60
Nissan, Quest Wagon....................................... 62
Mercury, Villager Wagon................................... 62
Dodge, Caravan............................................ 63
Chrysler, Town & Country.................................. 64
Plymouth, Voyager......................................... 65
Chevrolet, Lumina APV..................................... 65
Chevrolet, Astro Van 4-wd................................. 66
GMC, Safari Van........................................... 66
GMC, Safari Van 4-wd...................................... 66
Pontiac, Trans Sport...................................... 69
Oldsmobile, Silhouette Van................................ 75
Ford, Aerostar Van........................................ 76
Ford, Aerostar Van 4-wd................................... 84
Chevrolet, Caprice........................................ 86
Toyota, Previa Van........................................ 87
Buick, Estate Wagon....................................... 91
Toyota, Previa Van 4-wd................................... 104
Volkswagen, Eurovan....................................... 106
Mazda, MPV Van............................................ 112
Mazda, MPV Van 4-wd....................................... 137
Luxury Models
Average for large luxury models............................... 120
Chrysler, Imperial........................................ 85
Lincoln, Mark VIII........................................ 87
Mercedes, 300TE 4-wd...................................... 97
Cadillac, DeVille four-door............................... 99
Cadillac, DeVille two-door................................ 99
Lincoln, Town Car......................................... 101
Cadillac, Seville......................................... 106
Mercedes, SEL Series...................................... 135
Acura, Legend four-door................................... 139
Acura, Legend two-door.................................... 152
Lexus, LS 400............................................. 153
Mercedes, D/E series...................................... 154
Infiniti, Q45............................................. 159
Cadillac, Brougham........................................ 165
Mercedes, 300E 4-wd....................................... 169
Mazda, 929................................................ 172
Mercedes, 300TE........................................... 173
Mercedes, SD/SE series.................................... 174
Jaguar, XJ6............................................... 198
BMW, 700iL series......................................... 199
Large Vans
Average for large vans........................................ 64
Dodge, B150............................................... 41
Dodge, B250............................................... 48
Ford, E-250 Econoline..................................... 49
Chevrolet, Sportvan 20.................................... 53
GMC, Rally Wagon 2500..................................... 55
Chevrolet, Astro Cargo Van................................ 58
Ford, E-150 Econoline..................................... 60
GMC, Safari Cargo Van 4-wd................................ 61
Dodge, B250 Cargo Van..................................... 61
Ford, E-150 Club Wagon.................................... 63
Chevrolet, Chevy Van 20................................... 64
Dodge, B150 Cargo Van..................................... 64
Chevrolet, Chevy Van 10................................... 64
Chevrolet, Astro Cargo Van 4-wd........................... 64
GMC, Vandura 2500......................................... 67
Ford, E-350 Club Wagon.................................... 72
Ford, Aerostar Cargo Van.................................. 74
Dodge, B350............................................... 76
Chevrolet, Chevy Van 30................................... 77
GMC, Safari Cargo Van..................................... 77
Dodge, B350 Cargo Van..................................... 79
Ford, E-350 Econoline..................................... 84
Dodge, Caravan Cargo Van.................................. 101
PICKUPS
Small Pickups
Average for small pickups..................................... 87
Dodge, Dakota............................................. 73
Chevrolet, T10 two-door 4-wd.............................. 74
Mazda, Regular/ext. cab 4-wd.............................. 76
Ford, Ranger.............................................. 77
Mazda, Regular/ext. cab................................... 79
Dodge, Dakota 4-wd........................................ 79
GMC, T15 two-door 4-wd.................................... 79
GMC, S15 two-door......................................... 82
Chevrolet, S10 two-door................................... 85
Isuzu, Regular/ext. cab 4-wd.............................. 85
Dodge, Ram50 4-wd......................................... 88
Mitsubishi, Standard Bed 4-wd............................. 89
Dodge, Ram50.............................................. 90
Mitsubishi, Regular/ext. Cab.............................. 91
Nissan, Regular/ext. Cab.................................. 92
Nissan, Regular/ext. Cab 4-wd............................. 100
Isuzu, Regular/ext. Cab................................... 102
Ford, Ranger 4-wd......................................... 106
Toyota, Regular/ext. Cab.................................. 108
Toyota, Regular/ext. Cab 4-wd............................. 109
Standard Pickups
Average for standard pickups.................................. 66
Chevrolet, 3500 4-wd...................................... 50
Ford, F-350............................................... 60
Ford, F-150............................................... 60
GMC, 2500................................................. 61
GMC, 3500 4-wd............................................ 62
GMC, 1500 4-wd............................................ 63
Chevrolet, 1500 4-wd...................................... 63
Chevrolet, 1500........................................... 64
Chevrolet, 2500........................................... 65
Ford, F-250............................................... 66
Dodge, W350 4-wd.......................................... 66
Ford, F-350 4-wd.......................................... 66
GMC, 1500................................................. 66
Chevrolet, 2500 4-wd...................................... 67
Ford, F-150 4-wd.......................................... 70
GMC, 3500................................................. 72
Dodge, D150............................................... 72
GMC, 2500 4-wd............................................ 73
Ford, F-250 4-wd.......................................... 73
Dodge, W150 4-wd.......................................... 81
Dodge, D250............................................... 84
Chevrolet, 3500........................................... 93
Dodge, W250 4-wd.......................................... 101
Toyota, T100 (\1/2\-1T)................................... 105
Dodge, D350............................................... 107
Utility Vehicles
Small Utility Vehicles
Average for small utility vehicles............................ 96
Suzuki, Samurai........................................... 72
Jeep, Wrangler............................................ 78
Suzuki, Samurai 4-wd...................................... 82
Suzuki, Sidekick 4-door 4-wd.............................. 84
Suzuki, Sidekick 2-door 4-wd.............................. 86
Isuzu, Amigo 4-wd......................................... 99
Geo, Geo Tracker.......................................... 121
Geo, Tracker 4-wd......................................... 124
Isuzu, Amigo.............................................. 145
Intermediate Utility Vehicles
Average for intermediate utility vehicles................. 85
GMC, Yukon 4-wd........................................... 55
Ford, Explorer 4-door..................................... 56
Mazda, Navajo............................................. 58
Jeep, Grand Cherokee...................................... 60
Mitsubishi, Montero 4-wd.................................. 62
Ford, Explorer 4-door 4-wd................................ 69
Ford, Bronco.............................................. 69
Chevrolet, K1500 Blazer................................... 72
Ford, Explorer 2-door..................................... 75
Dodge, Ramcharger......................................... 76
Jeep, Cherokee 4-door..................................... 79
GMC, T15 Jimmy 4-door 4-wd................................ 80
GMC, S15 Jimmy 4-door..................................... 82
Jeep, Grand Cherokee 4-wd................................. 83
Chevrolet, S10 Blazer 4-door.............................. 86
Jeep, Cherokee 2-door..................................... 86
Ford, Explorer 2-door 4-wd................................ 87
Jeep, Cherokee 4-door 4-wd................................ 87
Mazda, Navajo 4-wd........................................ 87
Chevrolet, T10 Blazer 4-door 4-wd......................... 87
Oldsmobile, Bravada 4-wd.................................. 88
Chevrolet, S10 Blazer 2-door.............................. 90
GMC, S15 Jimmy 2-door..................................... 94
Isuzu, Trooper 4-wd....................................... 94
Chevrolet, T10 Blazer 2-door 4-wd......................... 95
Jeep, Cherokee 2-door 4-wd................................ 98
GMC, T15 Jimmy 2-door 4-wd................................ 98
Isuzu, Rodeo 4-wd......................................... 106
Nissan, Pathfinder 4-wd................................... 114
Isuzu, Rodeo.............................................. 115
Toyota, 4 Runner 4-door Wagon............................. 122
Nissan, Pathfinder........................................ 126
Dodge, Ramcharger 4-wd.................................... 131
Toyota, Land Cruiser...................................... 143
Toyota, 4 Runner 4-door 4-wd.............................. 144
Land Rover, Range Rover................................... 208
Large Utility Vehicles
Average for large utility vehicles............................ 67
Chevrolet, Suburban 2500.................................. 46
GMC, Suburban 1500........................................ 53
Chevrolet, Suburban 1500.................................. 63
Chevrolet, Suburban 1500 4-wd............................. 71
Chevrolet, Suburban 2500 4-wd............................. 82
GMC, Suburban 1500 4-wd................................... 85
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*Every model represents over 1,000 insured vehicle years and at least
100 claims.
If you would like more details about the information in this table,
or wish to obtain the complete Insurance Collision Report, please
contact HLDI directly, at: Highway Loss Data Institute, 1005 North
Glebe Road, Arlington, VA 22201, Tel: (703) 247-1600.
(15 U.S.C. 1941(e); delegation of authority at 49 CFR 1.50.)
Issued on: March 17, 1994.
Barry Felrice,
Associate Administrator for Rulemaking.
[FR Doc. 94-6679 Filed 3-21-94; 8:45 am]
BILLING CODE 4910-59-P