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Old 07-23-2008, 09:58 AM   #1
el_guapo
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Default WRX = 2nd highest insured losses according to Insurance Institute for Highway Safety

I stumbled upon this yesterday, and I know this is really not new news to anyone who has owned a WRX for a while. However this is updated info and some of the "leaders" have changed and I was suprised by what was on the list so I thought I would share. The WRX has moved up a few spots since last time I looked.

You can read for yourself, but the point here is that it is obvious why it cost so much to insure our cars. Next time you see or hear of someone in a WRX driving like a asshat and/or causing a accident make sure you thank them for jacking up the insurance rates for the rest of us. As for some of the other cars on the list all I can say is .

http://www.iihs.org/research/hldi/composite_intro.html

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Auto insurance covers damage to vehicles and property in crashes plus injuries to the people involved in the crashes. Different insurance coverages pay for vehicle damage versus injuries. Different insurance coverages also may apply depending on who's at fault first-party insurance pays for your own losses, while third-party pays for losses to other people and property for which you're liable.

Losses vary widely among vehicles under all six coverages even vehicles that are similar in size and type.

These tables show insurance losses for hundreds of passenger vehicles grouped by body style and size under six insurance coverages: collision, property damage liability, comprehensive personal injury protection, medical payment, and bodily injury.

Results are based on the loss experience of 2004-06 models from their first sales through May 2007. For vehicles that were newly introduced or redesigned during these years, the results shown in this publication are based only on the most recent model years for which the vehicle designs were unchanged either 2005-06 or 2006 only. Results are grouped according to vehicle body style and then according to size.

All losses are stated in relative terms, with 100 representing the average injury, collision, or theft loss for all vehicles. For example, a result of 122 is 22 percent worse than average, and 96 is 4 percent better than average. The vehicles are listed within each group in ascending sequence results. For convenience, the overall results are color-coded to indicate better and worse than average. The results also are adjusted, or standardized, to reduce possible distortions from two nonvehicle factors operator age (injury, collision, and theft results) and insurance deductible (collision and theft results only).

These insurance loss results generally are good predictors of the experience of current versions of the same vehicle models. But when automakers substantially redesign their passenger vehicles, the experience of an earlier model with the same name (but not same design) may not predict the experience of the newer design.
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Old 07-23-2008, 10:03 AM   #2
el_guapo
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I also found it interesting that the "Outback" made the lowest losses list. I am guessing they are referring to the Legacy "Outback" wagon since they say "midsize." I never thought that "Outback" was a official model name, but a name to describe a trim edition of that particular Suby car. I see Impreza Outbacks and Legacy Outbacks all the time .
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Old 07-23-2008, 10:37 AM   #3
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I also like how they don't specify the Lancer any further than that.
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Old 07-23-2008, 10:43 AM   #4
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Quote:
Originally Posted by el_guapo View Post
I also found it interesting that the "Outback" made the lowest losses list. I am guessing they are referring to the Legacy "Outback" wagon since they say "midsize." I never thought that "Outback" was a official model name, but a name to describe a trim edition of that particular Suby car. I see Impreza Outbacks and Legacy Outbacks all the time .
The Legacy Outback is just an "Outback" as of a few years ago, its a separate model.
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Old 07-23-2008, 10:48 AM   #5
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How are all those SUV's the lowest losses? Is it because they are so expensive in the first place, then depreciate like hell so quickly?
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Old 07-23-2008, 10:52 AM   #6
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keep in mind they don't actually mean a plain wrx. They are calling an sti a wrx, which is technically correct. Same goes for the lancer, plain lancers are dirt cheap to insure. EVO's, technically a lancer, are worse than STI's with some insurance companies. (loss rates directly impact insurance rates, a similar study was released last year showing the wrx as #2 in cost to insure)

The part that confuses me... Eclipse is 'midside' but impreza is small? I've ridden in various eclipses, after I cram myself into the car i'm not quite sure how i'm going to get out without a jaws of life, and i'm pretty much 95 percentile size.
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Old 07-23-2008, 10:57 AM   #7
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Quote:
Originally Posted by ADIDAS View Post
How are all those SUV's the lowest losses? Is it because they are so expensive in the first place, then depreciate like hell so quickly?
No, its because most of them are used by suburban soccer moms to ferry their kids to school, piano lessons and soccer practice and as such don't have a lot of accidents.
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Old 07-23-2008, 11:01 AM   #8
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Well at least people know why WRXs are high insurance for their class, especially the STI rates
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Old 07-23-2008, 11:02 AM   #9
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Insurance losses would also cover stolen vehicles right? Someone should compare this list to the stolen vehicles list.
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Old 07-23-2008, 11:11 AM   #10
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Odd, I've priced insurance for a WRX and didn't find the rates to be all that high. It was several years ago though.
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Old 07-23-2008, 11:19 AM   #11
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I pay literally half as much for my WRX than I did for my Civic, same coverages of both and both financed.
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Old 07-23-2008, 11:25 AM   #12
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Quote:
Originally Posted by jonbobcar View Post
I pay literally half as much for my WRX than I did for my Civic, same coverages of both and both financed.
yeah, I pay half as much as I did for my jeep wrangler, same coverage.
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Old 07-23-2008, 11:29 AM   #13
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Originally Posted by jonbobcar View Post
I pay literally half as much for my WRX than I did for my Civic, same coverages of both and both financed.


What year/trim was the Civic?
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Old 07-23-2008, 11:46 AM   #14
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Im actually not paying that much on my WRX considering the extensive coverage I got.
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Old 07-23-2008, 11:55 AM   #15
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i pay twice as much as i did for my 2006 xterra
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Old 07-23-2008, 11:58 AM   #16
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I pay $50 more a month for my 00 rs than i did my 96 eclipse gst...
mkes no sense at all.
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Old 07-23-2008, 12:31 PM   #17
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I'm doing 2.4 K a year.... thats pretty high right?
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Old 07-23-2008, 12:33 PM   #18
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Quote:
Originally Posted by RubbleDTD View Post
I'm doing 2.4 K a year.... thats pretty high right?
ya.. i think im at 800-900 year for my WRX.. but my xterra was like 500 year.
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Old 07-23-2008, 12:43 PM   #19
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Quote:
Originally Posted by Crawdads View Post
The Legacy Outback is just an "Outback" as of a few years ago, its a separate model.
you sir are wrong! the outback that is listed is still the legacy outback because of the size listed (midsized). the outback has been both legacy and impreza and both wagon and sedan for years. there is even an impreza outback sport from around 2000-2001 i believe. most 75%+ but not all of the time they are two-tone and have higher ride heights i know this because i am a service advisor @ subaru and i happen to have all of the brochures here since 1988!

Last edited by akaGeneyus; 07-23-2008 at 12:49 PM. Reason: update
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Old 07-23-2008, 02:30 PM   #20
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the 02-07 wrx is the second most stolen car in canada for the 6 year running right after the civic si....the theives in canada have no taste
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Old 07-23-2008, 02:35 PM   #21
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4 door:
Legacy: 96, 122
WRX: 99, 251, 416
Impreza: 106, 140

Wagon:
WRX: 80, 147
Impreza: 89, 102, 84

"SUV":
Outback: 53, 72, 16
Forester: 76, 76, 12

The WRX sedan has the worst numbers. I'd say Wagon FTW, but I realize the inflated sedan numbers are from the STi. It would be interesting to make a comparison of the 2008 STi in the future.

Interestingly, the Mazda Miata has some fairly good numbers--66, 88, 64--which somewhat contradicts the trend of larger vehicles having better numbers.
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Old 07-23-2008, 02:36 PM   #22
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My STi is cheaper to insure (for me) than a WRX sedan. My WRX wagon was cheaper than the STi by $200/6mo.

Nick
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Old 07-23-2008, 02:40 PM   #23
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Blame it on the RE-92's right?
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Old 07-23-2008, 05:15 PM   #24
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its funny that ive seen all the cars listed in the highest loss racing thru school zones...

that must be y i pay almost $220 a month for insurance....
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Old 07-23-2008, 05:43 PM   #25
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Everyone is assuming that these are "at fault" accidents. What about when some dumbass backs up into your car in a parking lot? I feel like a larger percentage of WRX owners are "enthusiast" owners who will not hesitate to get that other person's insurance and get your car fixed, no matter how small the damage might be. A lot of people who drive every other car just live with dents and scratches, and don't bother getting it repaired.

Aside from being 2nd highest insured losses, I bet we're also #1 or #2 in number of claims filed per car per year. So that insured losses figure doesn't really mean a whole lot.
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