Top 10 Vehicles with the Highest Insurance Loss Rates for 1998-2000


Although auto insurance premiums vary widely depending on where you live, how many accidents you've had in the past, how many miles you drive each year, and so on, the kind of car you drive also helps insurers make decisions about you. To help out, we've put together a list of the 10 vehicles with the highest average injury and collision losses, based on data collected by the Highway Loss Data Institute (HLDI) for 1998-2000 models. Note that injury loss rates are calculated according to claim frequencies filed under Personal Injury Protection (PIP) policies, while collision loss rates are determined on the basis of average loss payments per insured vehicle year. (The HLDI also tracks theft loss rates, but unless you live in a large city where theft is a major problem -- New York, Los Angeles or Memphis, for example -- this isn't likely to affect your premium significantly.) Just because a vehicle is on this list doesn't mean that it would be a bad purchase; however, it would be a good idea to shop around for insurance beforehand so that you aren't surprised by a premium hike later. One other thing to keep in mind: The results here are generally representative of the current versions of these models, according to the HLDI; however, a substantial redesign may affect a vehicle's loss rates, so we've noted where vehicles have been redesigned or replaced by a new model since the 2000 model year.

Top 10 Vehicles with the Highest Insurance Loss Rates for 1998-2000:

  1. 1. 1998, 1999 and 2000 Hyundai Tiburon (Redesigned for 2003)

  2. 2. 1998, 1999 and 2000 Suzuki Esteem Sedan

  3. 3. 1998, 1999 and 2000 Mitsubishi Mirage Sedan (Replaced by Lancer for 2002)

  4. 4. 1998, 1999 and 2000 Mitsubishi Mirage Coupe

  5. 5. 1998, 1999 and 2000 Kia Sephia (Renamed "Spectra" for 2002 -- no redesign)

  6. 6. 1998, 1999 and 2000 Chevrolet Metro Sedan (Discontinued after 2000)

  7. 7. 1999 and 2000 Suzuki Swift Hatchback (Discontinued after 2001)

  8. 8. 1998, 1999 and 2000 Hyundai Elantra Sedan (Redesigned for 2001)

  9. 9. 1998, 1999 and 2000 Jaguar XK-Series Convertible

  10. 10. 1999 and 2000 Daewoo Nubira

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