Safest and Most Dangerous Cars

According To Collision Insurance Of Common Cars On The Road

Written by Carly Hallman

What are currently some of the safest and most dangerous cars on the road? Which cars have led to huge financial losses as a result of accidents? From Bentleys to F-150s, here are some of the most sought-after cars along with their important vehicle data based on insurance claims! Find out how safe each car model is via this organized chart of car insurance data, showing how often each car model causes major collision insurance losses.

Safest and Most Dangerous Cars on the Road According to Collision insurance Graphic List Infographic

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The Most Common Car Models, Ranked by Their Insurance Losses Transcript

< 100 = Percent lower than average collision insurance losses

100 = Average collision insurance losses

> 100 = Percent higher than average collision insurance losses

Car Model Collision Ranking
Jeep Wrangler [2dr SWB 4WD] 53
Subaru Outback [4WD] 57
Ram 1500 [LWB 2WD] 60
Ford F-150 [2WD] 62
Mazda CX-5 [4dr 2WD] 63
Acura RDX [4dr 2WD] 64
Honda CR-V [4dr 2WD] 69
Subaru Forester [4dr 4WD] 69
Acura MDX [4dr 2WD] 72
Honda Pilot [4dr 2WD] 73
Subaru XV Crosstrek [4WD] 73
Honda Odyssey 76
Jeep Cherokee [4dr 2WD] 76
Chevrolet Traverse [4dr 2WD] 76
Ford Escape [4dr 2WD] 77
Chevrolet Silverado 1500 [2WD] 77
Ford Edge [4dr 2WD] 78
Toyota 4Runner [4dr 2WD] 78
Hyundai Tucson [4dr 2WD] 79
Chevrolet Colorado [Crew Cab 2WD] 81
Chrysler Town & Country [LWB] 82
Chevrolet Equinox [4dr 2WD] 84
Ford Explorer [4dr 2WD] 86
Volkswagen Tiguan [4dr 2WD] 87
Toyota Highlander [4dr 2WD] 88
Nissan Murano [4dr 2WD] 88
Toyota RAV4 [4dr 2WD] 90
Kia Sorento [4dr 2WD] 92
Toyota Tundra [CrewMax 2WD] 92
Nissan Rogue [4dr 2WD] 93
BMW X3 [4dr 2WD] 93
Honda Accord 93
Mazda 3 96
Toyota Tacoma [Double Cab 4WD] 102
Toyota Prius 105
Honda Civic 107
Toyota Camry 107
Chevrolet Corvette [2dr] 108
Toyota Avalon 110
Hyundai Elantra 112
Lexus RX 350 [4 dr 2WD] 119
Toyota Corolla 124
Audi Q5 [4dr 4WD] 139
Dodge Challenger 161
Ford Mustang [2dr] 176

Top 5 Lowest Collision Losses Overall

Car Model Collision Ranking
Smart ForTwo electric 42
Ram 1500 [LWB 4WD] 47
Ford F-250 [4WD] 48
Kia Soul electric 48
Chevrolet Corvette Z06 convertible 52

Top 5 Highest Collision Losses Overall

Car Model Collision Ranking
Bentley Continental GT [2dr 4WD] 650
Bentley Continental Flying Spur [4dr 4WD] 600
Bentley Continental GTC convertible [4WD] 493
BMW i8 [2dr 4WD] 425
Maserati GranTurismo [2dr] 410

Source:

So, what make of car is involved in the most accidents? If you look at collision loss data as your main metric, you’ll find that some of the most expensive cars are the most costly: the Bentley Continental GT (two-door) is 6.5 times worse than the average car in terms of collision losses. This car typically has an asking price starting at about $225,000. High-end luxury cars are known for getting in the most accidents, with more at-fault claims per driver for brands like Lexus and Audi as compared to their brand peers.

Looking at a model’s insurance rating is one way to figure out the most accident-prone car. What car is in the most accidents in terms of pure numbers, not losses? WikiLender examined over 2.4 million vehicles from 2009 and newer, for reported accidents. The data they used and what they found were different, but the trend was the same: Their most accident-prone car was the BMW 4 Series, which is one of the most common luxury cars on the market.

Why do people who drive luxury cars love to speed and swerve so much? Studies have found that drivers of more expensive vehicles tend to “adhere to ethical codes geared toward maximizing one’s self-interest, often at the expense of others,” according to psychologists.

According to the IIHS, these are the top 10 most unsafe cars:

  • Bentley Continental GT 2dr 4WD
  • Bentley Continental Flying Spur 4dr 4WD
  • Bentley Continental GTC convertible 4WD
  • BMW i8 plug-in hybrid two-door 4WD
  • Maserati GranTurismo 2dr
  • BMW M6 two-door
  • Audi RS7 four-door 4WD
  • BMW M3 four-door
  • BMW M4 two-door
  • Maserati Ghibli four-door 4WD

At the other end of the spectrum are the safest vehicles on the market. What is the safest car in America? The top safety rated cars for collision losses are the Smart ForTwo electric, which has half the collision losses of an average vehicle, and popular pickup trucks the Ram 1500 and the Ford F-250. See if your car is an IIHS top safety pick, too. These cars lead to far fewer losses for insurance companies overall.

Smart cars and Mini Coopers might, to some, feel like tiny, vulnerable boxes to drive. Perhaps drivers are more cautious, or perhaps it’s the vehicles’ sophisticated airbag systems that make a difference.

According to the IIHS, these are the top 10 safest cars:

  • Smart ForTwo electric
  • Ram 1500 LWB 4WD
  • Ford F-250 4WD
  • Kia Soul electric
  • Chevrolet Corvette Z06 convertible
  • Jeep Wrangler two-door SWB 4WD
  • Ram 2500 crew cab SWB 2WD
  • GMC Canyon extra cab 2WD
  • Ford F-350 SuperCab 4WD
  • Subaru Outback 4WD

If you’re shopping for the safest cars for teens or the safest family cars, we’ve pulled the car model insurance data for the models most frequently searched for on Edmunds.com. You can also see how the insurance rates by car model may vary since many companies use this information as a baseline.


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