[Federal Register Volume 62, Number 45 (Friday, March 7, 1997)] [Notices] [Pages 10607-10614] From the Federal Register Online via the Government Publishing Office [www.gpo.gov] [FR Doc No: 96-5721] ----------------------------------------------------------------------- DEPARTMENT OF TRANSPORTATION National Highway Traffic Safety Administration [Docket No. 74-40; Notice 9] Insurance Cost Information Regulation AGENCY: National Highway Traffic Safety Administration (NHTSA), DOT. ACTION: Notice of text and data for 1997 Insurance Cost Information Booklet. ----------------------------------------------------------------------- SUMMARY: This notice provides the 1997 text and data that new car dealers must include in an insurance cost information booklet that they must make available to prospective purchasers, pursuant to 49 CFR 582.4. This information may assist prospective purchasers in comparing differences in passenger vehicle collision loss experience that could affect auto insurance costs. FOR FURTHER INFORMATION CONTACT: Mr. Orron Kee, Office of Market Incentives, NHTSA, 400 Seventh Street S.W., Washington, DC 20590 (202- 366-4936). SUPPLEMENTARY INFORMATION: Pursuant to section 201(e) of the Motor Vehicle Information and Cost Savings Act, 15 U.S.C. 1941(e), on March 5, 1993, 58 FR 12545, the National Highway Traffic Safety Administration (NHTSA) amended 49 CFR Part 582, Insurance Cost Information Regulation, to require dealers of new automobiles to distribute to prospective customers information that compares differences in insurance costs of different makes and models of passenger cars based on differences in damage susceptibility. On March 17, 1994, NHTSA denied a petition submitted by the National Automobile Dealers Association (NADA) for NHTSA to reconsider Part 582 insofar as it requires new automobile dealers to prepare the requisite number of copies for distribution of the insurance cost information to prospective purchasers. 59 FR 13630. On March 24, 1995, NHTSA published a Final Rule to amend Part 582 in a number of respects. 60 FR 15509. Pursuant to 49 CFR Sec. 582.4, new automobile dealers are required to make available to prospective purchasers booklets that include this comparative information as well as certain mandatory explanatory text that is set out in section 582.5. Early each year, NHTSA publishes updated annual data in the Notices section of the Federal Register. Booklets reflecting the updated data must be available for distribution to prospective purchasers without charge within 30 days from the date of publication of the data in the Federal Register. NHTSA has mailed a sample copy of the 1997 booklet to each dealer on the mailing list that the Department of Energy uses to distribute the ``Gas Mileage Guide.'' Dealers will have the responsibility of reproducing a sufficient number of copies of the booklet to assure that they are available for retention by prospective purchasers by April 7, 1997. Dealers who do not receive a copy of the booklet within 15 days of the date of this notice should contact Mr. Orron Kee of NHTSA's Office of Planning and Consumer Programs ((202) 366-0846) to receive a copy of the booklet and to be added to the mailing list. The required text and data are as follows: FEBRUARY 1997 COMPARISON OF DIFFERENCES IN INSURANCE COSTS FOR PASSENGER CARS, STATION WAGONS/PASSENGER VANS, PICKUPS AND UTILITY VEHICLES ON THE BASIS OF DAMAGE SUSCEPTIBILITY The National Highway Traffic Safety Administration (NHTSA) has provided the information in this booklet in compliance with Federal law as an aid to consumers considering the purchase of a new car. The booklet compares differences in insurance costs for different makes and models of passenger cars, station wagons/passenger vans, pickups, and utility vehicles on the basis of damage susceptibility. However, it does not indicate a vehicle's relative safety. The following table contains the best available information regarding the effect of damage susceptibility on auto insurance premiums. It was taken from data compiled by the Highway Loss Data Institute (HLDI) in its December 1996 Insurance Collision Report, and reflects the collision loss experience of passenger cars, utility vehicles, light trucks, and vans sold in the United States in terms of the average loss payment per insured vehicle year for model years 1994- 1996. NHTSA has not verified the data in this table. The table presents vehicles' collision loss experience in relative terms, with 100 representing the average for all passenger vehicles. Thus, a rating of 122 reflects a collision loss experience that is 22 percent higher (worse) than average while a rating of 96 reflects a collision loss experience that is 4 per cent lower (better) than average. The table is not relevant for models that have been substantially redesigned for 1997, and it does not include information about models without enough insurance claims experience. Although many insurance companies use the HLDI information to adjust the ``base rate'' for the collision portion of their auto insurance premiums, the amount of any such adjustment is usually small. It is unlikely that your total premium will vary more than ten per cent depending upon the collision loss experience of a particular vehicle. If you do not purchase collision coverage or your insurance company does not use the HLDI information, your premium will not vary at all in relation to these rankings. In addition, different insurance companies often charge different premiums for the same driver and vehicle. Therefore, you should contact insurance companies or their agents directly to determine the actual [[Page 10608]] premium that you will be charged for insuring a particular vehicle. Please Note: In setting auto insurance premiums, insurance companies mainly rely on factors that are not directly related to the vehicle itself (except for its value). Rather, they mainly consider driver characteristics (such as age, gender, marital status, and driving record), the geographic area in which the vehicle is driven, how many miles are traveled, and how the vehicle is used. Therefore, to obtain complete information about insurance premiums, you should contact insurance companies or their agents directly. Insurance companies do not generally adjust their premiums on the basis of data reflecting the crashworthiness of different vehicles. However, some companies adjust their premiums for personal injury protection and medical payments coverage if the insured vehicle has features that are likely to improve its crashworthiness, such as air bags and automatic seat belts. Test data relating to vehicle crashworthiness are available from NHTSA's New Car Assessment Program (NCAP). NCAP test results demonstrate relative frontal crash protection in new vehicles. Information on vehicles that NHTSA has tested in the NCAP program can be obtained by calling the agency's toll-free Auto Safety Hotline at (800) 424-9393. This information also is available on NHTSA's Web site on the internet (http://www.nhtsa.dot.gov). Collision Insurance Losses, Model Year 1994-96 Passenger Motor Vehicles * ------------------------------------------------------------------------ Relative loss Make Model payment ------------------------------------------------------------------------ Small Cars--Two Door Models ------------------------------------------------------------------------ Average for small two-door ....................... 122 models. Saturn..................... SC..................... 100 Geo........................ Metro.................. 111 Volkswagen................. Cabrio convertible..... 114 Subaru..................... Impreza 4WD............ 125 Subaru..................... Impreza................ 125 Ford....................... Escort................. 126 Eagle...................... Summit................. 130 Hyundai.................... Accent................. 133 Mitsubishi................. Eclipse................ 134 Toyota..................... Tercel................. 140 Ford....................... Aspire................. 140 Suzuki..................... Swift.................. 140 Mitsubishi................. Mirage................. 142 Eagle...................... Talon.................. 142 Eagle...................... Talon 4WD.............. 151 Volkswagen................. GTI.................... 160 Mitsubishi................. Eclipse 4WD............ 178 Nissan..................... 240SX.................. 183 ------------------------------------------------------------------------ Four-Door Models ------------------------------------------------------------------------ Average for small four-door ....................... 119 models. Subaru..................... Impreza 4WD............ 105 Ford....................... Escort................. 106 Subaru..................... Impreza................ 110 Mercury.................... Tracer................. 112 Volkswagen................. Golf III............... 112 Geo........................ Prizm.................. 117 Toyota..................... Corolla................ 118 Hyundai.................... Accent................. 128 Eagle...................... Summit................. 130 Volkswagen................. Jetta III.............. 131 KIA........................ Sephia................. 132 Ford....................... Aspire................. 136 Geo........................ Metro.................. 137 Mitsubishi................. Mirage................. 144 Toyota..................... Tercel................. 152 ------------------------------------------------------------------------ Station Wagons/Passenger Vans ------------------------------------------------------------------------ Average for small station ....................... 84 wagons/passenger vans. Eagle...................... Summit................. 62 Mercury.................... Tracer................. 80 Ford....................... Escort................. 81 Subaru..................... Impreza 4WD............ 89 Toyota..................... Corolla................ 111 Eagle...................... Summit 4WD............. 116 ------------------------------------------------------------------------ Sports Models ------------------------------------------------------------------------ Average for small sports models ....................... 150 Mazda...................... MX-5 Miata convertible. 106 [[Page 10609]] Honda...................... Civic Del Sol 128 convertible. Dodge...................... Stealth................ 143 Mercedes................... SL Class convertible... 152 Mitsubishi................. 3000 GT................ 160 Chevrolet.................. Corvette............... 166 Chevrolet.................. Corvette convertible... 166 Nissan..................... 300ZX.................. 211 Porsche.................... 911 convertible........ 238 Porsche.................... 911 Targa/Coupe........ 256 Mitsubishi................. 3000 GT 4WD............ 325 Dodge...................... Viper convertible...... 445 ------------------------------------------------------------------------ Mid-Size Cars--Two-Door Models ------------------------------------------------------------------------ Average for mid-size two-door ....................... 111 models. Chrysler................... Sebring convertible.... 69 Buick...................... Regal.................. 69 Buick...................... Skylark................ 80 Oldsmobile................. Cutlass Supreme........ 81 Toyota..................... Celica convertible..... 87 Chevrolet.................. Monte Carlo............ 88 Oldsmobile................. Achieva................ 88 Pontiac.................... Grand Prix............. 90 Pontiac.................... Grand Am............... 94 Honda...................... Accord................. 105 Chevrolet.................. Beretta................ 108 Nissan..................... 200SX.................. 110 Saab....................... 900.................... 111 Honda...................... Civic.................. 111 Toyota..................... Camry.................. 112 Chevrolet.................. Cavalier............... 112 Plymouth................... Neon................... 116 Honda...................... Civic Coupe............ 121 Pontiac.................... Sunfire................ 121 Dodge...................... Neon................... 123 Chrysler................... Sebring................ 123 Dodge...................... Avenger................ 125 Acura...................... Integra................ 141 Mazda...................... MX-6................... 145 Toyota..................... Celica................. 147 BMW........................ 318ti.................. 150 Ford....................... Probe.................. 157 Honda...................... Prelude................ 162 ------------------------------------------------------------------------ Four-Door Models ------------------------------------------------------------------------ Average for mid-size four-door ....................... 94 models. Buick...................... Regal.................. 64 Oldsmobile................. Cutlass Supreme........ 69 Mercury.................... Sable.................. 69 Oldsmobile................. Cutlass Ciera.......... 71 Chevrolet.................. Lumina................. 71 Chrysler................... Cirrus................. 76 Ford....................... Taurus................. 77 Buick...................... Century................ 77 Buick...................... Skylark................ 78 Saturn..................... SL..................... 80 Mercury.................... Mystique............... 80 Pontiac.................... Grand Prix............. 81 Dodge...................... Stratus................ 82 Ford....................... Contour................ 84 Pontiac.................... Grand Am............... 86 Plymouth................... Breeze................. 86 Chevrolet.................. Corsica................ 87 Chevrolet.................. Cavalier............... 88 Oldsmobile................. Achieva................ 89 Infiniti................... I30.................... 92 Honda...................... Civic.................. 95 Toyota..................... Avalon................. 97 Honda...................... Accord................. 98 [[Page 10610]] Dodge...................... Neon................... 98 Pontiac.................... Sunfire................ 100 Plymouth................... Neon................... 102 Mitsubishi................. Diamante............... 103 Toyota..................... Camry.................. 106 Nissan..................... Altima................. 108 Subaru..................... Legacy................. 109 Volvo...................... 850.................... 110 Mitsubishi................. Galant................. 111 Nissan..................... Sentra................. 113 Subaru..................... Legacy 4WD............. 113 Volkswagen................. Passat................. 113 Mazda...................... Protege................ 118 Lexus...................... ES 300................. 120 Audi....................... A4 Quattro............. 120 Mazda...................... 626.................... 121 Nissan..................... Maxima................. 123 Mazda...................... Millenia............... 125 Infiniti................... G20.................... 130 Acura...................... Integra................ 131 Hyundai.................... Sonata................. 131 Saab....................... 900.................... 142 Audi....................... A4..................... 168 ------------------------------------------------------------------------ Station Wagons/Passenger Vans ------------------------------------------------------------------------ Average for mid-size station ....................... 86 wagons/passenger vans. Mercury.................... Sable.................. 59 Oldsmobile................. Cutlass Ciera.......... 63 Saturn..................... SW..................... 69 Buick...................... Century................ 75 Honda...................... Accord................. 87 Mitsubishi................. Expo................... 93 Ford....................... Taurus................. 98 Toyota..................... Camry.................. 100 Volvo...................... 850.................... 112 Subaru..................... Legacy 4WD............. 114 Volkswagen................. Passat................. 118 ------------------------------------------------------------------------ Sports Models ------------------------------------------------------------------------ Average for mid-size sports ....................... 150 models. Saab....................... 900 convertible........ 137 Ford....................... Mustang convertible.... 138 Nissan..................... 300ZX 2+2.............. 139 Pontiac.................... Firebird convertible... 140 Chevrolet.................. Camaro convertible..... 145 Pontiac.................... Firebird............... 148 Ford....................... Mustang................ 151 Chevrolet.................. Camaro................. 153 Subaru..................... SVX 4WD................ 159 Audi....................... Cabriolet convertible.. 178 Toyota..................... Supra.................. 268 Luxury Models ------------------------------------------------------------------------ Average for mid-size luxury ....................... 139 models. Lincoln.................... Continental............ 94 Cadillac................... Eldorado............... 104 Audi....................... A6 four-door........... 106 Volvo...................... 940/960 station wagon.. 119 Volvo...................... 940/960 four-door...... 125 Audi....................... A6/S6 Quattro 4-door... 128 BMW........................ 3 Series convertible... 137 Mercedes................... C Class four-door...... 143 Infiniti................... J30.................... 150 BMW........................ 3 Series four-door..... 151 Lexus...................... SC 300/400............. 159 Saab....................... 9000 four-door......... 171 Lexus...................... GS 300................. 183 BMW........................ 3 Series two-door...... 186 [[Page 10611]] Jaguar..................... XJ-S convertible....... 191 BMW........................ 8 Series two-door...... 422 ------------------------------------------------------------------------ Large Cars--Two-Door Models ------------------------------------------------------------------------ Average for large two-door ....................... 89 models. Buick...................... Riviera................ 74 Mercury.................... Cougar................. 85 Ford....................... Thunderbird............ 92 ------------------------------------------------------------------------ Four-Door Models ------------------------------------------------------------------------ Average for large four-door ....................... 80 models. Mercury.................... Grand Marquis.......... 67 Ford....................... Crown Victoria......... 69 Buick...................... LeSabre................ 76 Oldsmobile................. Eighty-Eight........... 77 Chrysler................... Concorde............... 77 Eagle...................... Vision................. 82 Buick...................... Park Avenue............ 82 Pontiac.................... Bonneville............. 83 Chevrolet.................. Caprice................ 83 Oldsmobile................. Ninety-Eight........... 84 Dodge...................... Intrepid............... 86 Buick...................... Roadmaster............. 89 Chrysler................... New Yorker............. 91 Acura...................... TL..................... 134 ------------------------------------------------------------------------ Station Wagons/Passenger Vans ------------------------------------------------------------------------ Average for large station ....................... 69 wagons/passenger vans. GMC........................ Safari Van............. 61 Chevrolet.................. Astro Van.............. 61 Pontiac.................... Trans Sport............ 65 Dodge...................... Caravan................ 65 Chevrolet.................. Astro Van 4WD.......... 65 Chrysler................... Town & Country......... 67 GMC........................ Safari Van 4WD......... 67 Plymouth................... Voyager................ 67 Chevrolet.................. Lumina APV............. 69 Honda...................... Odyssey Wagon.......... 70 Mercury.................... Villager Wagon......... 70 Nissan..................... Quest Wagon............ 71 Ford....................... Aerostar Van........... 74 Ford....................... Windstar Wagon......... 77 Oldsmobile................. Silhouette............. 77 Buick...................... Roadmaster Wagon....... 84 Ford....................... Aerostar Van 4WD....... 88 Chevrolet.................. Caprice................ 90 Toyota..................... Previa Van............. 90 Toyota..................... Previa Van 4WD......... 99 ------------------------------------------------------------------------ Luxury Models ------------------------------------------------------------------------ Average for large luxury models ....................... 110 Oldsmobile................. Aurora................. 81 Lincoln.................... Town Car............... 84 Cadillac................... De Ville 4-door........ 87 Chrysler................... LHS.................... 99 BMW........................ 7 Series four-door..... 107 Cadillac................... Seville................ 109 Cadillac................... Brougham............... 115 Lincoln.................... Mark VIII.............. 122 Mercedes................... E Class 4-door......... 150 Mercedes................... S Class LWB 4-door..... 151 Lexus...................... LS 400................. 160 Mercedes................... S Class two-door....... 167 Jaguar..................... XJ four-door........... 167 Mercedes................... S Class SWB 4-door..... 168 [[Page 10612]] Infiniti................... Q45.................... 173 ------------------------------------------------------------------------ Small Pickups ------------------------------------------------------------------------ Average for small pickups...... ....................... 84 Mazda...................... Regular/ext. Cab 4X4... 63 Mazda...................... Regular/ext. Cab....... 69 Dodge...................... Dakota Series.......... 70 GMC........................ T15 Series two-door 4X4 75 Dodge...................... Dakota Series 4X4...... 76 Ford....................... Ranger Series.......... 78 GMC........................ S15 Series two-door.... 81 Chevrolet.................. S10 Series two-door.... 82 Chevrolet.................. T10 Series two-door 4X4 84 Mitsubishi................. Regular/ext. Cab....... 95 Ford....................... Ranger Series 4X4...... 103 Nissan..................... Regular/ext. Cab....... 108 Toyota..................... Tacoma Regular/ext. Cab 109 4X4. Toyota..................... Tacoma Regular/ext. Cab 120 ------------------------------------------------------------------------ Standard Pickups ------------------------------------------------------------------------ Average for standard pickups... ....................... 69 Ford....................... F-150 Series 4X4 (1997) 52 Chevrolet.................. 1500 Series............ 58 Ford....................... F-150 Series (1997).... 59 Ford....................... F-250 Series........... 60 GMC........................ 2500 Series 4X4........ 61 Ford....................... F-250 (with air bag)... 62 Ford....................... F-350 Series........... 63 Chevrolet.................. 2500 Series............ 63 GMC........................ 1500 Series............ 64 Chevrolet.................. 1500 Series 4X4........ 64 GMC........................ 1500 Series 4X4........ 64 Chevrolet.................. 2500 Series 4X4........ 65 GMC........................ 3500 Series 4X4........ 66 Ford....................... F-150 Series........... 68 GMC........................ 3500 Series............ 69 GMC........................ 2500 Series............ 71 Ford....................... F-250 Series 4X4....... 72 Chevrolet.................. 3500 Series 4X4........ 72 Chevrolet.................. 3500 Series............ 73 Ford....................... F-150 Series 4X4....... 73 Dodge...................... Ram 1500 Series........ 79 Ford....................... F-350 Series........... 84 Dodge...................... Ram 1500 Series 4X4.... 89 Dodge...................... Ram 2500 Series........ 92 Dodge...................... Ram 2500 Series 4X4.... 98 Toyota..................... T100 Reg/ext cab....... 99 Dodge...................... Ram 3500 Series........ 99 Toyota..................... T100 Reg/ext cab 4X4... 103 Dodge...................... Ram 3500 Series 4X4.... 119 ------------------------------------------------------------------------ Utility Vehicles--Small Utility Vehicles ------------------------------------------------------------------------ Average for small utility ....................... 92 vehicles. Geo........................ Tracker 4-door 4X4..... 73 Geo........................ Tracker 2-door 4X4..... 103 Suzuki..................... Sidekick 4-door 4X4.... 104 Toyota..................... RAV4 4-door 4X4........ 129 ------------------------------------------------------------------------ Intermediate Utility Vehicles ------------------------------------------------------------------------ Average for intermediate ....................... 89 utility vehicles. Chevrolet.................. Tahoe 4-door........... 39 GMC........................ Yukon 4-door 4WD....... 54 Chevrolet.................. Tahoe 4-door 4WD....... 54 GMC........................ Yukon 4-door........... 57 Land Rover................. Range Rover............ 59 [[Page 10613]] GMC........................ Yukon 2-door 4X4....... 63 Jeep....................... Cherokee 2-door........ 66 Chevrolet.................. Tahoe 2-door 4X4....... 67 Jeep....................... Grand Cherokee 4-door.. 73 Jeep....................... Cherokee 4-door........ 75 Jeep....................... Cherokee 2-door 4X4.... 76 Ford....................... Explorer 4-door........ 77 Chevrolet.................. S10 Blazer 4-door...... 78 Chevrolet.................. T10 Blazer 4-door 4X4.. 81 Ford....................... Bronco................. 82 Jeep....................... Cherokee 4-door 4X4.... 82 GMC........................ S15 Jimmy 4-door....... 84 Jeep....................... Grand Cherokee 4-door 85 4X4. Ford....................... Explorer 4-door 4X4.... 86 GMC........................ T15 Jimmy 4-door 4X4... 86 Isuzu...................... Trooper 4-door 4X4..... 92 Ford....................... Explorer 2-door........ 95 Toyota..................... 4 Runner 4-door........ 95 GMC........................ S15 Jimmy 2-door....... 96 Isuzu...................... Rodeo 4-door 4X4....... 103 Chevrolet.................. T10 Blazer 2-door 4X4.. 106 Honda...................... Passport 4-door........ 111 Chevrolet.................. S10 Blazer 2-door...... 112 Ford....................... Explorer 2-door 4X4.... 114 Toyota..................... 4 Runner 4-door 4X4.... 116 Mitsubishi................. Montero 4-door 4X4..... 118 Nissan..................... Pathfinder 4-door 4X4.. 118 GMC........................ T15 Jimmy 2-door 4X4... 122 Honda...................... Passport 4-door........ 122 Isuzu...................... Rodeo 4-door........... 124 Land Rover................. Discovery.............. 150 Toyota..................... Land Cruiser........... 168 ------------------------------------------------------------------------ Large Utility Vehicles ------------------------------------------------------------------------ Average for large utility ....................... 60 vehicles. GMC........................ Suburban 1500.......... 45 Chevrolet.................. Suburban 1500.......... 49 GMC........................ Suburban 2500 4X4...... 54 Chevrolet.................. Suburban 1500 4X4...... 55 GMC........................ Suburban 1500 4X4...... 56 Chevrolet.................. Suburban 2500 4X4...... 58 Chevrolet.................. Suburban 2500.......... 86 ------------------------------------------------------------------------ Large Vans ------------------------------------------------------------------------ Average for all large vans..... ....................... 64 Dodge...................... B250................... 34 Chevrolet.................. Astro Cargo Van 4X4.... 51 Ford....................... E-150 Club Wagon....... 52 GMC........................ Safari Cargo Van 4X4... 53 Chevrolet.................. Lumina Cargo APV....... 55 Ford....................... E-150 Econoline........ 59 Ford....................... E-350 Club Wagon....... 62 GMC........................ Safari Cargo Van....... 63 Chevrolet.................. Astro Cargo Van........ 63 Dodge...................... B250 Cargo Van......... 65 Ford....................... E-250 Econoline........ 65 Dodge...................... B150................... 72 GMC........................ Vandura 3500........... 73 Ford....................... Aerostar Cargo Van..... 79 Chevrolet.................. Chevy Van 3500......... 83 Dodge...................... B150 Cargo Van......... 84 Ford....................... E-350 Econoline........ 114 ------------------------------------------------------------------------ * Note: Every model represents over 1,000 insured vehicle years and at least 100 claims. [[Page 10614]] If you would like more details about the information in this table, or wish to obtain the complete Insurance Collision Report, please contact HLDI directly, at: Highway Loss Data Institute, 1005 North Glebe Road, Arlington, VA 22201, Tel: (703) 247-1600. (49 U.S.C. 32302; delegation of authority at 49 CFR 1.50(f).) Issued on: March 3, 1997. L. Robert Shelton, Associate Administrator for Safety Performance Standards. [FR Doc. 96-5721 Filed 3-6-96; 8:45 am] BILLING CODE 4910-59-P