[boltage]

Go to https://www.iihs.org/ratings/insurance-losses-by-make-and-model , then select "2015-17", "small", and "four-door cars".


Other claim categories appear to have insufficient data at this time, since nothing is listed.


Differences in insurance losses probably have a substantial driver demographic component (i.e. less risky versus riskier drivers preferring different car models).

 

[KeithMoon]

Bentley Continentals have the highest collision losses? Who knew?

 

[wonderbolt]

good to know... thanks for sharing the data

 

[bro1999]

Nice to see the Bolt well ranked.

I see that despite Tesla's hyped Autopilot and other tech safety features, all Tesla models (sans Model 3, which probably doesn't have enough data) have very high collision loss rates.

Model X - 220% above average
Model S - 172%
Model S AWD - 211%

 

[Sean Nelson]

I see that despite Tesla's hyped Autopilot and other tech safety features, all Tesla models (sans Model 3, which probably doesn't have enough data) have very high collision loss rates.

I wonder how much of that is due to a higher rate of collisions themselves, vs. them being perhaps more costly to repair.

 

[Cataract2]

I wonder how much of that is due to a higher rate of collisions themselves, vs. them being perhaps more costly to repair.

Probably has to do more with parts cost, delays getting parts, indy shops not being able to get parts or documents to do the work (ie: factory manual, etc.) All of that adds to the cost to repair.

 

[discodanman45]

I wonder how much of that is due to a higher rate of collisions themselves, vs. them being perhaps more costly to repair.

Also you need to consider the HP of the vehicles. It seems that the cars that have high collision losses are sports cars. It is a lot easier to get into an accident with a car that does 0 to 60 in under 4 seconds than a Prius.

 

[boltage]

Also you need to consider the HP of the vehicles. It seems that the cars that have high collision losses are sports cars. It is a lot easier to get into an accident with a car that does 0 to 60 in under 4 seconds than a Prius.

A Prius can go fast enough to get into a lot of trouble. But the kind of driver who buys a Prius is probably not the same kind of driver as one who buys a sports car or muscle car. Another comparison can be the Ford Focus electric (-25%) versus the regular Ford Focus hatchback (+14%), or the Kia Soul electric (-37%) versus the regular Kia Soul (-18%).

 

[Pete Blair]

Nice to see the Bolt well ranked.

I see that despite Tesla's hyped Autopilot and other tech safety features, all Tesla models (sans Model 3, which probably doesn't have enough data) have very high collision loss rates.

Model X - 220% above average
Model S - 172%
Model S AWD - 211%

From the page "Results for collision, property damage liability and comprehensive represent overall losses, which reflect both the frequency of claims and the average loss payment per claim. Results for injury coverages represent claim frequency only."

So by the statistic based on frequency both the S and X do quite well. From the statistics that denote cost/frequency they do quite bad. So really it just means they are really expensive to repair/replace. Which makes sense really, for a whole host of reasons.

 

[rgmichel]

Also you need to consider the HP of the vehicles. It seems that the cars that have high collision losses are sports cars. It is a lot easier to get into an accident with a car that does 0 to 60 in under 4 seconds than a Prius.

Well, the acceleration of the Bolt EV is pretty much into the sports car class, although acceleration numbers for many vehicles are creeping up these days. My insurance moving from a quite new mini-van for which I was paying $670 per year, to the Bolt EV saw an immediate increase to $1100 per year, just on the basis of it being a Bolt. That was back in 2017. Clearly, this newly reported favorable collision number means that its worthwhile to shop around some more. Keeping fingers crossed....
On easier to "get into an accident", I am not so sure. I think the main factor is the driver... not the car. My Dad always used to say there are no fast cars, only fast drivers....

 

[kendallg]

Well, the acceleration of the Bolt EV is pretty much into the sports car class, although acceleration numbers for many vehicles are creeping up these days. My insurance moving from a quite new mini-van for which I was paying $670 per year, to the Bolt EV saw an immediate increase to $1100 per year, just on the basis of it being a Bolt. That was back in 2017. Clearly, this newly reported favorable collision number means that its worthwhile to shop around some more. Keeping fingers crossed....
On easier to "get into an accident", I am not so sure. I think the main factor is the driver... not the car. My Dad always used to say there are no fast cars, only fast drivers....

The Bolt is not a cheap car to insure. If I had stayed with State Farm, I would be paying significantly more for my Bolt than I do for my 2006 Porsche Cayman S! I ended up going with Metromile and doing per-mile insurance. We drive very little so it makes a ton of sense for us. I've been asking State Farm for quote updates regularly and they haven't decreased an inch in a year and a half. Data is probably still too limited I guess.

 

[vex]

Well, the acceleration of the Bolt EV is pretty much into the sports car class, although acceleration numbers for many vehicles are creeping up these days. My insurance moving from a quite new mini-van for which I was paying $670 per year, to the Bolt EV saw an immediate increase to $1100 per year, just on the basis of it being a Bolt. That was back in 2017. Clearly, this newly reported favorable collision number means that its worthwhile to shop around some more. Keeping fingers crossed....
On easier to "get into an accident", I am not so sure. I think the main factor is the driver... not the car. My Dad always used to say there are no fast cars, only fast drivers....

I did some test quotes...it varied hugely on the insurance company. One company doubled my 6 month premium when I removed my 20 year old car and added a 2 year old Bolt. Another company, the premium went up about $100 for the 6 months.

 

[Pete Blair]

Well, the acceleration of the Bolt EV is pretty much into the sports car class, although acceleration numbers for many vehicles are creeping up these days. My insurance moving from a quite new mini-van for which I was paying $670 per year, to the Bolt EV saw an immediate increase to $1100 per year, just on the basis of it being a Bolt. That was back in 2017. Clearly, this newly reported favorable collision number means that its worthwhile to shop around some more. Keeping fingers crossed....
On easier to "get into an accident", I am not so sure. I think the main factor is the driver... not the car. My Dad always used to say there are no fast cars, only fast drivers....

Makes me love my insurance company more, my rates changes by about $30 for a 6 month policy, I went from a Honda Fit to my Bolt.