Top 10 Vehicles With the Highest Insurance Loss Rates for 1999-2001

Although auto insurance costs 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 1999-2001 models. 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, this isn't likely to affect your premium significantly.)

Just because a vehicle is on this list doesn't mean it would be a bad purchase, but consider shopping around for insurance beforehand so that you aren't surprised by a premium hike later. One more 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 2001 model year.

1. 1. 1999, 2000 and 2001 Suzuki Esteem (Discontinued after 2002, replaced by Aerio)