[frogblast]

Given the conclusions in these articles, I'd expect insurance prices for larger vehicles to be substantially higher, because the underwriters have a large incentive to get this right.

My own policy has two drivers with a long flawless history, and several vehicles, including a heavy duty pickup truck and a compact crossover.

The truck policy prices for bodily injury is 8% higher than the crossover, while property damage coverage costs 20% less for the truck.

There appears to be a material difference in conclusion between my insurance underwriters and the producers of these studies on the danger of these vehicles.

[hugh-avherald]

Except that the insurance market is also flawed. For example, some payouts are capped by law. So it's likely that premiums are lower than they should be.

https://www.economist.com/united-states/2024/01/18/why-car-i...

[j-wags]

It may have to do with how liability insurance requirements are quite low - generally a few tens of thousands of dollars. So serious crashes (both those involving small and large vehicles) might easily blow past that, causing insurers to charge about the same amount for both.