Home Car insurance Accident claims Best and worst vehicles for preventing passenger injuries Best and worst vehicles for preventing passenger injuries Written by: Jeffrey Steele | Reviewed by: Michelle Megna Michelle Megna Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. | Posted on April 16, 2014 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Safest for passengers: Ford F-350Photo credit: Ford Even people who know very little about the laws of physics will find few surprises on the 2014 edition of the best and worst cars for preventing passenger injuries, just released by Insure.com. The 10 best cars for preventing passenger injuries are not cars at all, but large, costly trucks and sport-utility vehicles like the Ford F-350 and Cadillac Escalade. The 10 worst cars for preventing passenger injuries fall into precisely the opposite category: small, lightweight cars that stress low prices and fuel economy. Dominating this list are subcompacts like Toyota’s Yaris, Fiat’s 500, Nissan’s Versa and Chevrolet’s Spark. The list also includes two of the best-selling midsize sedans. Higher claims for injuries result in higher car insurance rates. Insure.com analyzed insurance rates for Personal Injury Protection (PIP) and Medical Payments (MedPay) – the coverage that pays for injuries to your passengers in a crash. Using insurance rates for more than 750 vehicles in our annual car insurance comparison study, we identified the vehicles with the lowest and highest costs for PIP and MedPay coverage. Size matters most Best vehicles for protecting passengers from injuriesFord F-350GMC Sierra 2500Porsche CayenneFord F-250GMC YukonVolvo XC90Ram 1500Chevrolet SilveradoCadillac EscaladeBMW X1Worst vehicles for protecting passengers from injuriesToyota YarisFiat 500Toyota CorollaMitsubishi LancerNissan VersaKia ForteNissan AltimaFord FocusChevrolet SparkToyota CamrySource: Insure.com. See the methodology of our annual car insurance rates study. Vehicle size and weight affect injury risk substantially, says Russ Rader, spokesman for the Arlington, Va.-based Insurance Institute for Highway Safety. Heavier vehicles more effectively protect passengers, he says. In a head-on crash between a lighter and heavier vehicle, the heavier vehicle will drive the lighter one backwards, increasing the forces on the occupants in the light vehicle and reducing forces on the occupants in the heavier one. The Ford F-350 weighs 3 tons, nearly three times what a Toyota Yaris weighs. In crashes with roadside objects, such as trees or poles, it’s more likely that a heavier vehicle will be able to move the object, reducing the severity of the crash for the occupants. In addition, larger vehicles have more “crush space” in the front end, which helps vehicles keep the forces of the crash away from the seating area. More crush space means it takes longer for the vehicle to come to a complete stop in the crash. This helps an occupant ride down the crash over a longer period, reducing the severity of the impact on the body. Asked which vehicle he would buy, Rader says, “We can’t single out one vehicle as being the safest. If safety is a priority, consumers should avoid the smallest, lightest cars available. It’s better to start with midsize or larger models with good crash test-ratings from the Institute and the federal government.” QuickTake Does car insurance cover reckless driving? What to do after a car accident that's not your fault Can you switch car insurance after an accident? What happens if someone else crashes your car You crashed a what?! Are you entitled to brand-name car repair parts? Know your rights How much will my insurance go up after an accident? What to do after a car accident "Diminished value" car insurance claims get the wrecking ball It's not your fault that you're to blame How to make a car insurance claim for a hit-and-run accident In over your head: What happens if accident damage exceeds your car insurance? Auto direct repair programs reduce headaches How to avoid problems with salvaged vehicles See more > Why the price tag matters Least safe for passengers: Toyota YarisPhoto credit: Toyota Pete Leiss, head of the crash practice at Lancaster, Pa.-based Robson Forensic, agrees that larger vehicles provide better protection against passenger injuries. “It’s not just the size, but also that there’s more room between the occupants and what they will interact with,” says Leiss, whose company specializes in expert witness services in courts of law. In addition to heavier vehicles, higher-priced luxury cars offer the most protection to the passengers riding inside them, according to Leiss. “We see a lot fewer injuries when you start talking about European luxury cars,” he says. “That group of vehicles typically includes those to which newer safety features are first applied. That goes back to the introduction of air bags and encompasses the major safety developments since the 1980s, including electronic stability control, pre-tensioned seatbelts, forward collision warnings and also basics like strong safety cages around the vehicle’s occupants.” These European luxury manufacturers seem to be the carmakers that pay the most attention not just to passing mandated government crash-safety tests, but also to conducting their own research into other types of crash modes that cause injury and death, he says. “They do the research, and consequently design their vehicles to help prevent those injuries and deaths,” he reports. The point he makes is borne out by the inclusion of the Porsche Cayenne, Volvo XC90 and BMW X1 on the list, he argues. “None of those three vehicles are the size or the mass of the Escalade,” he adds. “Yet we see them ranked in the top 10 for preventing injury.” The most injuries Vehicles associated with the greatest number of injuries are in general compact cars and midsize cars, sometimes referred to as C and D Class cars. With these C and D Class automobiles, “there’s a lot more pressure on price, and thinner profit margins,” Leiss says. “Unfortunately, the result is it becomes more difficult to make the business case that they will have the side airbags you see in larger vehicles. Safety takes a backseat to profits.” In an accident between a 3,000-pound car and a 5,000-pound car, the larger car “is going to win,” Leiss says. That means the smaller car starts out at a disadvantage, and then is further disadvantaged by being equipped with comparatively fewer safety features than found on larger cars. The one surprise for Leiss on the worst cars for preventing injuries list is the Toyota Camry. “The Camry is one of the best-selling vehicles in the overall vehicle market, typically No. 1 or 2 in sales of sedans,” Leiss says. “The other vehicles in that list are smaller vehicles, which from a physics standpoint are at a disadvantage in collisions with other vehicles. But the Camry is a midsize, which typically weighs 500 to 700 pounds more than subcompact and compact vehicles, with more room between occupant and a hard surface.” The more hopeful news for those preferring small vehicles is that the once yawning gap between large and small vehicle safety features has closed dramatically in recent years, according to Leiss. “Part of what we see is technology filtering down from larger to smaller cars,” he adds. “What we’ve been seeing the last few years is that smaller cars are catching up. You see smaller cars with, for instance, 10 air bags, and strong safety cages.” In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? How much does car insurance cost for seniors? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Size matters most Best vehicles for protecting passengers from injuries Worst vehicles for protecting passengers from injuries Why the price tag matters The most injuries Get instant quotes now ! Please enter valid zip Get Quotes