Vehicles with the lowest Comprehensive and Collision losses
Looking for a car that won’t break the bank on insurance?
Every year, the Insurance Institute for Highway Safety (IIHS) and the Highway Loss Data Institute (HLDI) release data showing which cars have the lowest (and highest) insurance losses. Lower losses = lower insurance costs—so if you’re in the market for a new vehicle, choosing wisely can save you big money on your premiums.
Today, we’re breaking down the top 10 vehicles with the lowest comprehensive and collision losses. Let’s dive in!
What Are Comprehensive and Collision Losses?
Before we get into the rankings, let’s clarify what these insurance losses mean.
Comprehensive Losses
Comprehensive insurance covers non-collision-related damage, including:
✔ Theft
✔ Fire
✔ Floods & natural disasters
✔ Vandalism
✔ Hitting an animal (like a deer)
Collision Losses
Collision insurance pays for damage to your own vehicle if you are at fault in an accident.
Now that we’ve got that covered, let’s jump into the rankings!
Top 10 Vehicles with the Lowest Comprehensive Losses
These vehicles have the lowest comprehensive insurance claims, meaning they’re less likely to be stolen, vandalized, or damaged in non-collision incidents.
10. GMC Canyon Crew Cab (-46%)
A rugged midsize pickup with solid durability.
9. Volkswagen Taos (2WD & 4WD) (-46%)
A reliable, fuel-efficient compact SUV.
8. Jeep Wrangler 2-Door 4WD (-48%)
Built for off-road adventures, with fewer claims for theft and damage.
7. Chevrolet Bolt Electric (-48%)
An affordable EV with low repair costs and minimal theft risk.
6. Buick Encore 4WD (-48%)
A compact SUV that doesn’t attract thieves.
5. GMC Sierra 2500 Extended Cab 4WD (-48%)
A heavy-duty work truck with a low loss record.
4. Buick Encore 2WD (-50%)
Another Encore makes the list—this time, the 2WD model.
3. GMC Sierra 1500 4WD (-52%)
A full-size truck with strong reliability.
2. Chevrolet Silverado 2500 4WD (-53%)
A workhorse truck that sees fewer comprehensive claims.
1. Ford F-250 4WD (-61%)
The top-ranked vehicle for lowest comprehensive losses—meaning fewer claims and lower insurance costs.
Top 10 Vehicles with the Lowest Collision Losses
Now, let’s look at the cars with the lowest collision insurance losses. These vehicles are involved in fewer at-fault accidents and tend to have lower repair costs.
10. Ford Transit T-350 Cargo 4WD (-43%)
A popular work van with low accident claims.
9. Chevrolet Silverado 3500 4WD (-43%)
A heavy-duty truck that avoids major accident damage.
8. Ford Bronco 2-Door 4WD (-43%)
Tough off-road capability with fewer collision claims.
7. Ford Transit T-150 Cargo 4WD (-44%)
Another work van with strong reliability.
6. Ford Transit T-350 4WD (-45%)
Consistently ranks among the lowest in collision claims.
5. GMC Canyon Extended Cab 4WD (-45%)
A durable midsize pickup with a great loss record.
4. GMC Sierra 2500 4WD (-45%)
Another heavy-duty truck with strong durability.
3. Subaru Crosstrek 4WD (-46%)
A top pick for safety and low collision damage.
2. Jeep Wrangler 2-Door 4WD (-47%)
A fun, adventurous vehicle that sees fewer serious accidents.
1. Toyota Tundra Double Cab (-52%)
The best vehicle for collision losses—meaning fewer accidents and lower insurance costs!
How to Check Insurance Costs for Your Vehicle
If you didn’t see your car on the list, don’t worry! You can check insurance loss data for your specific vehicle on the IIHS website.
💡 Pro Tip:
Insurance companies use this data when setting your rates. If you’re shopping for a new car, choosing one with low insurance losses can save you hundreds per year on premiums.
The Most Expensive Vehicle to Insure?
Just for fun, let’s talk about a car on the other end of the spectrum—one that’s incredibly expensive to insure.
The McLaren 720S Spider Convertible has a collision insurance loss of +652% compared to the average car.
Translation? It’s crazy expensive to insure—but let’s be honest, if you’re buying a $250,000 car, you’re probably not worried about insurance costs!
How Trailstone Insurance Group Can Help You Save
No matter which car you drive, your insurance costs can vary greatly between providers. That’s where Trailstone Insurance Group comes in.
✔ We shop over 40 insurance carriers to find you the best rate.
✔ We compare policies to make sure you’re getting the right coverage.
✔ We help you save money—no matter what vehicle you drive.
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Final Thoughts: Choosing a Car That Saves You Money on Insurance
If you’re looking to cut your insurance costs, consider a vehicle with:
✔ Low comprehensive loss rates (less likely to be stolen or vandalized).
✔ Low collision loss rates (involved in fewer accidents).
And remember—your insurance premium isn’t just about the car. Factors like your driving record, location, and coverage choices also play a big role.
At Trailstone Insurance Group, we’re here to help you find the best coverage at the best price—no matter what you drive.
Until next time, drive safe and save smart!