Here's Why Your Safer New Car May Be More Expensive To Insure

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All of that safety isn't cheap to replace.

As consumers demand more safety technology in their vehicles, advanced safety features are becoming standard across mainstream carmakers' lineups. Honda recently announced its safety suite would be standard on all models by 2022. Nissan also promised to bring standard technology on its most popular models by 2021.

You may think that having systems such as adaptive cruise control, automatic emergency braking, blind spot monitoring, and lane keep assist would make a vehicle less expensive to insure because it is less likely to get in an accident. However, a study conducted by AAA says otherwise.


AAA tested a 2018 Nissan Rogue, a 2018 Toyota Camry and a 2018 Ford F-150, to gauge how much it would cost to replace these safety systems in the event of a minor crash. The results revealed that it could cost twice as much to fix these systems in the event of a minor crash, with many of the sensors costing thousands of dollars to replace. Even a minor accident could potentially tack on an extra $3,000 in repair costs due to the price of replacing the sensors and recalibrating the system.

AAA says the vehicle make, sensor type, and sensor positioning can highly sway the cost of repairs. In the worst circumstances, a small front or rear collision in a vehicle with these safety systems could cost as much as $5,300 (more than double the cost of the repairs without these systems).

"Advanced safety systems are much more common today, with many coming as standard equipment, even on base models," said John Nielsen, AAA's Managing Director of Automotive Engineering and Repair. "It's critical that drivers understand what technology their vehicle has, how it performs and how much it could cost to repair should something happen," he added.


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