Many brokers may not associate the Porsche 911 Carrera with safety and low incidences of personal injury claims, but according to the Highway Loss Data Institute (HLDI), the sports car is typically driven infrequently, resulting in it experiencing 75% fewer injuries than the average vehicle.
On the contrary, cars that are more likely to cause injury claims typically feature lower horsepower and are smaller in sizes.
In its most recent analysis, the HLDI assessed the insurance data for vehicle model years 2012-2014, which provides insight into which cars are likely to yield the highest yield rates, given that it didn’t undergo a redesign.
The institute discovered that cars featuring the highest frequency of personal injury claims include:
| Vehicle |
Vehicle size and class |
Claim frequency, in relative terms, where 100 is average |
| Mitsubishi Mirage |
Micro four-door car |
213 |
| Dodge Avenger |
Midsize four-door car |
184 |
| Nissan Versa |
Small four-door car |
178 |
| Nissan Versa Note |
Small station wagons/minivan |
178 |
| Kia Forte |
Small four-door car |
176 |
| Mitsubishi Lancer 2WD |
Small four-door car |
176 |
| Nissan Rogue Select 4dr 2WD |
Small SUV |
171 |
| Chrysler 200 |
Midsize four-door car |
168 |
| Nissan Cube |
Small station wagons/minivan |
165 |
| Kia Rio |
Mini four-door car |
165 |
The Porsche 911 Carerra 2dr experienced the lowest claim frequency, followed by the Land Rover Range Rover 4dr 4WD and Porsche Boxster Convertible. The last time the assessment was conducted, the Suzuki SX4 2WD ranked first for personal injury claims, followed by the Nissan Versa and the Mitsubishi Lancer 2WD.
