Car Cost Files EP01 — sources and credits
12 Cars Insurance Companies Hate — ranked by real U.S. claims data from the Highway Loss Data Institute (HLDI), Mitchell, and 2025–26 premium surveys. Index of 100 = average for all passenger vehicles.
Sources
- HLDI insurance losses by make and model, 2022–24 (Charger/Challenger figures from the 2021–23 release): https://www.iihs.org/ratings/insurance-losses-by-make-and-model
- HLDI whole-vehicle theft report WT-24 (2022–24 models): https://www.iihs.org/media/ac486ec7-e5cd-4ea0-b41c-ed7c2796bfb1/Oe9AyQ/HLDI%20Research/Insurance%20reports/hldi_theft_WT-24.pdf
- HLDI theft report WT-23 (2021–23 models): https://iihs.org/media/22576932-04a4-4f7f-b8e7-83e8e337c30b/nZP19w/HLDI%20Research/Insurance%20reports/hldi_theft_WT-23.pdf
- IIHS, Dodge muscle cars top most-stolen list (Aug 2023): https://www.iihs.org/news/detail/dodge-muscle-cars-once-again-top-hldis-list-of-most-stolen-vehicles
- IIHS, Camaro ZL1 tops most-stolen chart (Aug 2025): https://www.iihs.org/news/detail/camaro-zl1-tops-chart-of-most-stolen-vehicles
- HLDI Bulletin 42-10, Camaro theft: https://www.iihs.org/media/a3ecb858-4c72-4979-b8e2-ffc239da8948/GdoD6A/HLDI%20Research/Bulletins/hldi_bulletin_42-10.pdf
- HLDI Bulletin 41-15, Hyundai/Kia immobilizers: https://iihs.org/media/60a0eb34-e741-4696-832e-eaef7d657c7c/AsZFxg/HLDI%20Research/Bulletins/hldi_bulletin_41-15.pdf
- HLDI Bulletin 42-07, Hyundai/Kia software upgrade: https://www.iihs.org/media/d2c7da66-9ce8-4c61-b129-5d5732707ef1/A3Sr3Q/HLDI%20Research/Bulletins/hldi_bulletin_42-07.pdf
- IIHS auto insurance research page: https://www.iihs.org/research-areas/auto-insurance
- Mitchell Plugged-In: EV Collision Insights Q2 2026: https://www.mitchell.com/insights/article/auto-physical-damage/plugged-in-ev-collision-insights-q2-2026
- Carrier Management on Mitchell Q2 2026 Tesla claim share: https://www.carriermanagement.com/news/2026/08/21/291266.htm
- EpicVIN total-loss history study (via InsideEVs / Digital Today, Sept 2026): https://www.digitaltoday.co.kr/en/view/107157/tesla-total-loss-history-share-19-percent-widens-gap-with-other-evs
- The Drive, Rivian R1T $42,000 repair: https://www.thedrive.com/news/rivian-r1t-fender-bender-turns-into-42000-repair-bill
- Carscoops, Rivian R1T $22,000 repair (Nov 2025): https://www.carscoops.com/2025/11/insurance-offered-1700-for-this-r1t-mishap-rivian-wanted-a-fortune/
- Edmunds Cybertruck total loss: https://www.edmunds.com/car-news/2024-tesla-cybertruck-damage-long-term-wrapup.html
- CarBuzz, Cybertruck panel wait times: https://carbuzz.com/tesla-cybertruck-body-panels-taking-one-year-to-replace/
- CBS News, State Farm and Progressive on Hyundai/Kia (Jan 2023): https://www.cbsnews.com/news/state-farm-progressive-kia-hyundai-auto-insurance/
- Money, Hyundai/Kia $200M settlement: https://money.com/kia-hyundai-car-theft-settlement/
- Insurify, most expensive cars to insure (Oct 2026): https://insurify.com/car-insurance/most-expensive-car-insurance/
- Insurify EV insurance cost report (2026): https://insurify.com/car-insurance/report/electric-vehicle-insurance-costs/
- Insure.com, rates by car (2026): https://www.insure.com/car-insurance/insurance-rates-by-car.html
- Bankrate, most expensive cars to insure (2025): https://www.bankrate.com/insurance/car/most-expensive-cars-to-insure/
- Forbes Advisor, luxury car insurance (2026): https://www.forbes.com/advisor/car-insurance/best-luxury-car-insurance/
Notes on the data
Premium figures vary by outlet because each uses a different sample driver, state mix and coverage level. Each figure in the video is attributed to one source.
Photo credits (Wikimedia Commons)
- Lucid Air Auto Zuerich 2025 DSC 3343.jpg — Alexander Migl — CC BY-SA 4.0
- Mitsubishi Mirage G4 1.2 GLS Black Series Titanium Gray Metallic.jpg — Ethan Llamas — CC BY-SA 4.0
- '10-'12 Ram 2500 Crew Cab Ahuntsic-Cartierville Montréal.jpg — Bull-Doser — Public domain
- BMW M3 (G80) China.jpg — Dinkun Chen — CC BY-SA 4.0
- 2021 BMW M4 Competition Automatic 3.0 Front.jpg — Vauxford — CC BY-SA 4.0
- BMW M8 Competition Coupé F92 (53598077098).jpg — Alexandre Prevot from Nancy, France — CC BY-SA 2.0
- Rivian-r1t-2021.jpg — Photo by Rivian — CC BY-SA 4.0
- Debut of the Rivian R1S SUV at the 2018 Los Angeles Auto Show, November 27, 2018.jpg — Richard Truesdell — CC BY-SA 4.0
- 2024 Tesla Cybertruck Foundation Series IMG 0576.jpg — Alexander-93 — CC BY-SA 4.0
- 2023 Tesla Model 3 Highland Long Range AWD.jpg — Chanokchon — CC BY-SA 4.0
- Tesla Model Y (2025) MYLE Festival 2025 DSC 9565.jpg — Alexander Migl — CC BY-SA 4.0
- 2019 Nissan Altima, front 7.11.20.jpg — Kevauto — CC BY-SA 4.0
- Nissan Sentra B18 GreenLine.jpg — Bull-Doser — Public domain
- 2019 Chevrolet Malibu (facelift) LT, front 10.19.19.jpg — Kevauto — CC BY-SA 4.0
- ROLLS ROYCE CULLINAN China.jpg — Dinkun Chen — CC BY-SA 4.0
- 2015 Maserati Quattroporte DV6 Automatic 3.0 Front.jpg — Vauxford — CC BY-SA 4.0
- 2017 Hyundai Elantra, Windsor, Ontario, 2025-07-01.jpg — Crisco 1492 — CC BY-SA 4.0
- 2019 Kia Forte au SIAM 2018.jpg — Bull-Doser — Public domain
- 2018 Chevrolet Camaro ZL1 1LE SCD 24.jpg — MrWalkr — CC BY-SA 4.0
- Dodge Durango SRT Hellcat Jailbreak AWD (2026) (55208228157).jpg — Charles from Port Chester, New York — CC0
- SUBARU FORESTER (SG) China.jpg — Dinkun Chen — CC BY-SA 4.0
- 2015 Mazda MX-5 (ND) Roadster GT convertible (2018-10-30) 01.jpg — EurovisionNim — CC BY-SA 4.0
- 2018 Volvo XC40 First Edition T5 AWD Automatic 2.0 Front.jpg — Vauxford — CC BY-SA 4.0
- Boulder Junction Auto Body, Hadley, New York.jpg — Tyler A. McNeil — CC BY-SA 4.0
- MERCEDES-BENZ S-CLASS (W223) China (18).jpg — Dinkun Chen — CC BY-SA 4.0
- Lamborghini Huracan STO 1X7A0297.jpg — Alexander Migl — CC BY-SA 4.0
- 22 Dodge Charger SRT Hellcat Redeye Jailbreak Widebody.jpg — HJUdall — CC0
Other credits
Stock footage: Pixabay (Pixabay Content License) and Mixkit (Mixkit License). Music generated with Suno. Narration: Google Gemini TTS.
This channel explains U.S. insurance loss and repair-cost data. Not insurance or financial advice.