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Insurance may be one of the greatest scams ever pulled on the general public, but it’s a very necessary evil.

Right around the time the automobile became popular, people starting crashing them into things. By the 1920s, individual states began requiring drivers to purchase insurance — creating a pooled solution that covered at-fault drivers for damages they might be unable to pay otherwise.

However, not all drivers crash and not all vehicles incur the same costs when they take or deliver a beating. Collision losses might be astronomical for high-end sports cars but comparably moderate for midsize pickup trucks. The Insurance Institute for Highway Safety and Highway Loss Data Institute recently compiled the loss averages for hundreds of models, grouping them by segments, to establish how lightly-used autos stack up against each other.


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