Top 10 Vehicles with the Lowest Comprehensive and Collision Insurance Losses

When it comes to choosing the right vehicle, saving money on insurance is a priority for many. Today, we’re breaking down the top 10 vehicles with the lowest Comprehensive and Collision losses—a list that could save you a bundle on insurance premiums. This data, based on the latest findings from the Insurance Institute for Highway Safety (IIHS), highlights vehicles that outperform the average in insurance loss metrics. Buckle up, and let’s dive in!

What Is the IIHS and Why Does It Matter?

The Insurance Institute for Highway Safety (IIHS) is an independent, nonprofit organization dedicated to reducing deaths, injuries, and property damage from motor vehicle crashes. Since its founding in 1959, the IIHS has provided invaluable data to help consumers make informed decisions about vehicle safety.

Understanding the Data

The vehicles featured here are evaluated by the Highway Loss Data Institute (HLDI), an affiliate of the IIHS. We’re focusing specifically on Comprehensive and Collision losses, as these factors directly impact your insurance premiums.

Here’s a quick refresher:

• Comprehensive Losses: Covers non-collision events such as theft, hitting animals, natural disasters, fire, and vandalism.
• Collision Losses: Covers damages to your vehicle when you are at fault in an accident.

The scores below represent percentages above or below the average loss for all passenger vehicles, with negative percentages being better (lower losses).

Top 10 Vehicles with the Lowest Comprehensive Losses

1. Ford F-250 4WD Pickup
   • Score: -61%
   • The standout winner for comprehensive losses, this truck offers rugged durability and lower-than-average claims.
2. Chevrolet Silverado 2500 4WD Pickup
   • Score: -53%
3. GMC Sierra 1500 4WD Pickup
   • Score: -52%
4. Buick Encore 4dr 2WD
   • Score: -50%
5. GMC Sierra 2500 Ext. Cab 4WD
   • Score: -48%
6. Buick Encore 4dr 4WD
   • Score: -48%
7. Chevrolet Bolt (Electric)
   • Score: -48%
8. Jeep Wrangler 2dr 4WD
   • Score: -48%
9. Volkswagen Taos 4dr 2WD/4WD
   • Score: -46%
10. GMC Canyon Crew Cab
    • Score: -46%

Top 10 Vehicles with the Lowest Collision Losses

1. Toyota Tundra Double Cab
   • Score: -52%
   • This reliable truck takes the top spot for collision claims, making it a solid choice for both safety and savings.
2. Jeep Wrangler 2dr 4WD
   • Score: -47%
3. Subaru Crosstrek 4WD
   • Score: -46%
4. GMC Sierra 2500 4WD
   • Score: -45%
5. GMC Canyon Ext. Cab 4WD
   • Score: -45%
6. Ford T-350 Transit 4WD
   • Score: -45%
7. Ford T-150 Transit Cargo 4WD
   • Score: -44%
8. Ford Bronco 2dr 4WD
   • Score: -43%
9. Chevrolet Silverado 3500 4WD
   • Score: -43%
10. Ford T-350 Transit Cargo 4WD
    • Score: -43%

What Does This Mean for You?

If you’re shopping for a new vehicle or evaluating your current one, these lists can guide you toward cars and trucks that are less costly to insure. However, if your dream car isn’t on this list (like the McLaren 720 Spyder Convertible, which comes in at a staggering +652% collision score), don’t worry—insurance costs vary widely based on individual circumstances.

Find the Best Insurance for Your Vehicle

At Trailstone Insurance Group, we shop policies from over 40 top-rated insurance carriers to ensure you get the best coverage at the best price—no matter what you drive. Whether you’re eyeing a vehicle from this list or something else entirely, we’re here to help.

Final Thoughts

Saving on insurance starts with making informed decisions about your vehicle. Check out the IIHS website for more data on specific models, and let us do the heavy lifting when it comes to finding the right insurance policy for you.

Until next time, drive safely—and maybe think twice before splurging on that McLaren!