Collision coverage losses vary greatly depending on the size and type of vehicles involved as well as the circumstances of the collision. An analysis by the IIHS delved into claims data for 2019-2021 model year cars, trucks and SUVs to see which passenger vehicles have the highest (and lowest) collision losses across all classes. The IIHS report explains that the two main factors they used to determine collision losses were claims frequency and claim severity (the cost of the claim). The average claim frequency across all classes of vehicle is 5.9 claims per 100 insured vehicle years. When it comes to relative collision claim severity, the average was $7,579 per claim. The data showed that overall collision losses tend to increase with vehicle size, with all sizes of four-door cars, sports cars, luxury cars and luxury SUVs showing above-average losses. The vehicles with the lowest collision losses included:

• Toyota Tundra double cab LWB (52% below average)
• Jeep Wrangler 2-door 4WD (47% below average)
• Subaru Crosstrek 4WD (46% below average)
• GMC Sierra 2500 4WD (45% below average)
• GMC Canyon extended cab 4WD (45% below average)

In the slideshow above, we'll look at the 2019-2021 model year vehicles across all classes that IIHS determined had the highest collision losses.

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