HLDI Bulletin - Noncrash fire claim frequencies for Kia ...€¦ · Hyundai Santa Fe Sport (midsize SUV). As shown in the following figure, the 2.0-liter turbocharged engine had the

Bulletin Vol. 35, No. 40 : December 2018

Highway Loss Data Institute

Noncrash fire claim frequencies for Kia and Hyundai midsize four-door cars and SUVs—an update

� Summary

In September 2018, the Highway Loss Data Institute (HLDI) conducted a study comparing noncrash fire insurance losses for five specific Kia/Hyundai vehicles with other vehicles of the same size and class (HLDI, 2018a). The study results indicated increased noncrash fire risk for several model years of the Kia Optima, Kia Sorento, Hyundai Sonata, Hyundai Santa Fe, and Santa Fe Sport. Based on discussions with the National Highway Traffic Safety Administration’s (NHTSA) Office of Defects Investigation, the engine type was considered as a possible contributing factor for the elevated noncrash fire risk. This study expands on the original study by analyzing noncrash fire claim frequency by engine variant. The model years and vehicles analyzed in this report include the 2011–15 Kia Optima (midsize four-door car), 2011–15 Kia Sorento (midsize SUV), 2011–14 Hyundai Sonata (midsize four-door car), 2011–12 Hyundai Santa Fe (midsize SUV), and 2013–14 Hyundai Santa Fe Sport (midsize SUV).

As shown in the following figure, the 2.0-liter turbocharged engine had the highest average noncrash fire claim frequency (4.2 claims per 10,000 insured vehicle years) followed by the 2.4-liter engine (2.7). Comparatively, the average noncrash fire claim frequency for the control vehicles was only 1.7 per 10,000 insured vehicle years.

Observed noncrash fire claim frequencies for Kia and Hyundai vehicles versus control vehicles by engine type

� Introduction

In September 2018, HLDI conducted a study investigating noncrash fire insurance losses for several Kia and Hyundai vehicles. That study was based on a petition by the Center for Auto Safety, which indicated there was a high volume of complaints for the 2011–14 Kia Optima, Kia Sorento, Hyundai Sonata, and Hyundai Santa Fe. HLDI’s own analysis found significantly higher noncrash fire claim frequency for several model years of these vehicles.

HLDI shared these results with NHTSA’s Office of Defects Investigation. Based on these discussions, it was believed that problems with the engine may be a contributing factor to the elevated noncrash fire risk. This study expands on the prior study by examining noncrash fire claim frequencies by engine type for the affected vehicles.

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HLDI Bulletin | Vol 35, No. 40 : December 2018 2

� Method

Insurance data

Automobile insurance covers damage to vehicles and property in crashes plus injuries to people involved in crashes. Different insurance coverages pay for vehicle damages versus injuries, and different coverages may apply depending on who is at fault.

This study is based on comprehensive coverage. Comprehensive coverage insures against theft or physical damage to insured people’s own vehicles that occurs for reasons other than crashes. Losses due to noncrash fires are covered under comprehensive coverage.

Insurance measures

Noncrash fire claim frequency is the number of noncrash fire claims divided by comprehensive exposure, expressed as claims per 10,000 insured vehicle years. Typically, under comprehensive insurance coverage, claim frequency is expressed as claims per 1,000 insured vehicle years. This distinction is made because noncrash fire claims are filed infrequently. Exposure is the length of time a vehicle is insured under a given coverage type and is measured in in-sured vehicle years. An insured vehicle year is one vehicle insured for 1 year, two vehicles insured for 6 months, etc.

Subject vehicles

Table 1 shows comprehensive exposure, noncrash fire claims, and noncrash fire claim frequency for the five target vehicles by engine type. The examined vehicles include the 2011–15 Kia Optima, 2011–14 Hyundai Sonata, 2011–15 Kia Sorento, 2011–12 Hyundai Santa Fe, and 2013–14 Hyundai Santa Fe Sport. The hybrid versions for both the Kia Optima and Hyundai Sonata were excluded from the statistical analysis due to limited data.

Note that the 2011 Kia Sorento has an existing noncrash fire recall (#10V388000). According to the recall, approxi-mately 35,000 Kia Sorento vehicles were potentially affected.

Table 1: Kia and Hyundai comprehensive exposure, noncrash fire claims count, and noncrash fire claim frequency by engine type

Engine type Exposure Claims Claim frequency

2011–15 Kia Optima

2.0-liter turbocharged engine 411,730 204 5.0

2.4-liter engine 1,892,499 537 2.8

Total 2,304,229 741 3.2

2011–14 Hyundai Sonata


2.4-liter engine 3,617,587 982 2.7

Total 4,053,985 1,164 2.9

2011–15 Kia Sorento

2.4-liter engine 1,686,811 435 2.6

3.3-liter engine 244,852 39 1.6

3.5-liter engine 717,173 140 2.0

Total 2,648,836 614 2.3

2011–12 Hyundai Santa Fe

2.4-liter engine 347,296 73 2.1

3.5-liter engine 324,533 40 1.2

Total 671,829 113 1.7

2013–14 Hyundai Santa Fe Sport


2.4-liter engine 394,948 86 2.2

Total 635,973 155 2.4


Two control groups were constructed to accurately measure insurance losses relative to the Kia/Hyundai midsize four-door cars and SUVs (Table 2 and Table 3). The control groups consisted of all midsize four-door cars and SUVs manu-factured in model years 2011–15, except for vehicles with a documented noncrash fire-related recall. Other gaps in model year availability were due to production either being terminated on certain vehicles or not yet started.

Table 2: Noncrash fire midsize four-door cars control vehicle population

Make Series Model years Exposure Noncrash fire claims Claim frequency

Acura TSX 4dr 2011–14 344,320 37 1.1

Buick Verano 4dr 2012–15 535,166 83 1.6

Chevrolet Malibu 4dr (NEW) 2011–12,2014–15 2,617,380 600 2.3

Chrysler 200 4dr 2WD 2011–12,2014 799,692 193 2.4

Dodge Avenger 4dr 2WD 2011–12,2014 636,535 219 3.4

Ford Fusion 4dr 2WD 2012, 2015 1,502,125 228 1.5

Ford Fusion 4dr 4WD 2012, 2015 54,271 7 1.3

Ford Fusion hybrid 4dr 2WD 2012, 2015 43,147 5 1.2

Honda Accord 4dr 2011–12 2,472,506 293 1.2

Mazda 6 4dr 2WD 2013, 2015 210,071 18 0.9

Mitsubishi Galant 4dr 2WD 2011–12 124,217 24 1.9

Nissan 810/Maxima sedan 2011–14 986,975 243 2.5

Nissan Altima 4dr 2011–15 5,116,372 997 1.9

Nissan Altima hybrid 4dr 2011 15,884 2 1.3

Toyota Camry 4dr 2WD 2011–13, 2015 6,018,456 768 1.3

Toyota Camry hybrid 4dr 2011–13, 2015 471,175 46 1.0

Volkswagen CC 4dr 2WD 2011 70,783 18 2.5

Volkswagen CC 4dr 4WD 2011 1,774 — 0.0

Volkswagen Jetta hybrid 4dr 2013 23,616 3 1.3

Volkswagen New Jetta 4dr 2013 537,632 76 1.4

Volvo S40 4dr 2WD (NEW) 2011 23,112 5 2.2

Total 22,605,211 3,865 1.7

Table 3: Noncrash fire midsize SUV control vehicle population


Chevrolet Truck Captiva sport 4dr 2WD 2013–15 239,701 59 2.5

Chevrolet Truck Equinox 4dr 2WD 2011–15 2,808,220 350 1.2

Chevrolet Truck Equinox 4dr 4WD 2011–15 1,309,862 171 1.3

Dodge Truck Nitro 4dr 2WD 2011 80,987 25 3.1

Dodge Truck Nitro 4dr 4WD 2011 84,615 21 2.5

Ford Truck Edge 4dr 2WD 2014–15 277,271 24 0.9

Ford Truck Edge 4dr 4WD 2014–15 274,193 21 0.8

Ford Truck Explorer 4dr 4X2 2011–12, 2014–15 818,475 110 1.3

Ford Truck Explorer 4dr 4X4 2011–12, 2014–15 996,453 141 1.4

Ford Truck Flex 4dr 2WD 2011–12, 2014–15 264,790 34 1.3

Ford Truck Flex 4dr 4WD 2011–12, 2014–15 115,921 16 1.4

GMC Truck Terrain 4dr 2WD 2011–15 1,205,882 160 1.3

GMC Truck Terrain 4dr 4WD 2011–15 634,803 82 1.3

Honda Accord Crosstour 4dr 2WD 2011–12 89,233 14 1.6


Table 3: Noncrash fire midsize SUV control vehicle population


Honda Accord Crosstour 4dr 4WD 2011–12 104,685 13 1.2

Honda Pilot 4dr 2WD 2011, 2013–15 689,972 98 1.4

Honda Pilot 4dr 4WD 2011, 2013–15 1,420,406 151 1.1

Hyundai Veracruz 4dr 2WD 2011–12 61,820 6 1.0

Hyundai Veracruz 4dr 4WD 2011–12 38,073 10 2.6

Jeep Grand Cherokee SRT 4dr 4WD 2012–15 45,410 10 2.2

Jeep Grand Cherokee 4dr 2WD 2015 124,719 12 1.0

Jeep Grand Cherokee 4dr 4WD 2015 518,946 60 1.2

Jeep Liberty 4dr 2WD 2011–12 152,623 27 1.8

Jeep Liberty 4dr 4WD 2011–12 588,575 131 2.2

Jeep Wrangler 4dr 4X4 2014–15 847,080 206 2.4

Mazda CX-7 4dr 2WD 2011–12 213,618 20 0.9

Mazda CX-7 4dr 4WD 2011–12 19,775 9 4.6

Mazda CX-9 4dr 2WD 2011–15 230,437 17 0.7

Mazda CX-9 4dr 4WD 2011–15 279,761 34 1.2

Mitsubishi Endeavor 4dr 2WD 2011 10,616 1 0.9

Mitsubishi Endeavor 4dr 4WD 2011 40,833 5 1.2

Nissan Murano 4dr 2WD 2011–12 210,412 20 1.0

Nissan Murano 4dr 4WD 2011–12 352,905 44 1.2

Nissan Murano Crosscabrio 4WD 2011–12 17,186 2 1.2

Nissan Pathfinder 4dr 4X2 2011–15 495,646 57 1.2

Nissan Pathfinder 4dr 4X4 2011–15 650,689 94 1.4

Nissan Pathfinder hybrid 4dr 2WD 2014 3,105 - 0.0

Nissan Pathfinder hybrid 4dr 4WD 2014 5,118 2 3.9

Nissan Xterra 4dr 4X2 2011–15 77,907 5 0.6

Nissan Xterra 4dr 4X4 2011–15 268,761 22 0.8

Subaru B9 Tribeca 4dr 4WD 2013–14 9,080 - 0.0

Toyota 4Runner 4dr 4X2 2011–15 335,003 32 1.0

Toyota 4Runner 4dr 4X4 2011–15 792,926 69 0.9

Toyota FJ Cruiser 4dr 4X2 2011–14 11,576 2 1.7

Toyota FJ Cruiser 4dr 4X4 2011–14 217,419 30 1.4

Toyota Highlander 4dr 2WD 2012–13, 2015 662,648 52 0.8

Toyota Highlander 4dr 4WD 2012–13, 2015 1,069,878 83 0.8

Toyota Highlander hybrid 4dr 4WD 2012–13, 2015 64,732 6 0.9

Toyota Venza 4dr 2WD 2011–15 333,389 30 0.9

Toyota Venza 4dr 4WD 2011–15 315,633 23 0.7

Total 20,481,767 2,611 1.3


Total exposure and noncrash fire claims by model year for the Kia Optima, Hyundai Sonata, and the control vehicles are presented in Table 4. The studied midsize four-door cars and control vehicles totaled 28,963,426 years of exposure and 5,770 noncrash fire claims.

Table 4: Exposure and noncrash fire claims by model year for the Kia and Hyundai midsize four-door cars and control vehicles

Exposure Noncrash fire claims

Model year Kia Optima Hyundai Sonata Control vehicles Kia Optima Hyundai Sonata Control vehicles

2011 318,562 1,625,601 6,349,026 139 603 1,086

2012 450,407 868,606 8,220,170 182 260 1,335

2013 742,114 1,153,804 3,314,967 253 239 514

2014 304,686 405,975 1,924,003 72 62 453

2015 488,460 — 2,797,046 95 — 477

Total 2,304,229 4,053,985 22,605,211 741 1,164 3,865

Similarly, total exposure and noncrash fire claims by model year for the Kia Sorento, Hyundai Santa Fe, Santa Fe Sport, and the control vehicles are presented in Table 5. The studied midsize SUVs and control vehicles totaled 24,438,404 years of exposure and 3,493 noncrash fire claims.

Table 5: Exposure and noncrash fire claims by model year for the Kia and Hyundai midsize SUVs and control vehicles

Exposure Noncrash fire claims

Model year Hyundai Santa Fe

Hyundai Santa Fe Sport

Kia Sorento

Control vehicles

Hyundai Santa Fe

Hyundai Santa Fe Sport

Kia Sorento

Control vehicles

2011 382,350 — 964,563 5,081,062 56 — 194 733

2012 289,479 — 546,725 4,233,961 57 — 162 502

2013 — 378,528 447,323 3,568,914 — 99 118 382

2014 — 257,444 409,333 3,526,848 — 56 88 490

2015 — — 280,891 4,070,982 — — 52 504

Total 671,829 635,973 2,648,836 20,481,767 113 155 614 2,611

Analysis methods

Regression analysis was used to quantify the noncrash fire claim frequency differences in a given model year between the engines of study vehicles and the same size and class control vehicles with no records of a noncrash fire-related recall, while controlling for other covariates. The other covariates included calendar year, garaging state, vehicle den-sity (number of registered vehicles per square mile), rated driver age group, rated driver gender, rated driver marital status, deductible range, and risk. Model year was not included as a covariate, as all regressions performed focused on one model year at a time.

Claim frequency was modeled using a Poisson distribution, with a logarithmic link function. For space reasons, only the estimates for the differences in insurance losses for the study vehicles compared with the control vehicle popula-tion are shown on the following pages. To illustrate the analyses, the Appendix contains full model results for the noncrash fire claim frequency for the 2012 Kia Optima.

To further simplify the presentation here, the exponent of the parameter was calculated, 1 was subtracted, and the result multiplied by 100. The resulting number corresponds to the difference between the study vehicle and the con-trol vehicles of the same model years. For example, the estimate of the regression parameter for the 2012 Kia Optima with the 2.0-liter turbocharged engine on noncrash fire claim frequency was 1.2738; thus, these vehicles had a claim frequency that was 257 percent higher than the 2012 control vehicles ((exp(1.2738)-1)*100=257).


� Results

Midsize four-door cars

Figure 1 shows the estimated differences in noncrash fire claim frequency by engine variant for the Kia Optima ver-sus the control vehicles for model years 2011–15. Here, and in subsequent figures, the vertical I-bars represent the 95 percent confidence limits for the estimates.

For vehicles with 2.0-liter turbocharged engine, claim frequencies were more than triple that of the control vehicles in model years 2011–13. The difference dropped substantially for the 2014 model year but was still statistically sig-nificant. The 2015 model year showed no significant differences. Noncrash fire claim frequencies for vehicles with the 2.4-liter engine showed a similar trend, although the magnitude of the differences was less than those for the 2.0-liter turbocharged engine.

Figure 1: Estimated differences in noncrash fire claim frequency for Kia Optima versus the control group by engine type and model year

Figure 2 shows the estimated differences in the noncrash fire claim frequency for the Hyundai Sonata with different engines versus the control vehicles for model years 2011–14. The 2015 Hyundai Sonata was not analyzed as it was redesigned that year.

For vehicles with a 2.0-liter turbocharged engine, claim frequencies were 113, 224, and 239 percent higher than the control vehicles in model years 2011, 2012, and 2013, respectively, but the difference dropped significantly in 2014. For vehicles with a 2.4-liter engine, the claim frequencies in model years 2011–14 continuously dropped from 139 percent higher to 33 percent lower than the control vehicles.

Figure 2: Estimated differences in noncrash fire claim frequency for Hyundai Sonata versus the control group by engine type and model year

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Figure 3 shows the estimated differences in the noncrash fire claim frequency by engine type for the Kia Sorento versus the control vehicles for model years 2011–15. The 6-cylinder, fuel-injected, 3.5-liter engine was replaced by the 6-cylinder, fuel-injected, 3.3-liter engine after model year 2013. The 2011 Kia Sorento has an existing noncrash fire recall, which affected approximately 35,000 vehicles.

Noncrash fire claim frequencies were significantly higher for all vehicles with the 2.4-liter engine. The difference was largest for the 2012 and 2013 model years where claim frequencies were more than triple that of the control vehicles. The 3.5-liter engine was also associated with significantly higher claim frequencies of approximately 50 percent com-pared with the control group. Results for the 3.3-liter engine were not statistically significant but were associated with higher noncrash fire risk.

Figure 3: Estimated differences in noncrash fire claim frequency for Kia Sorento versus the control group by engine type and model year

Results by engine type for the 2011–12 Hyundai Santa Fe are shown in Figure 4. Only the 2012 Hyundai Santa Fe with the 2.4-liter engine had a significantly higher claim frequency than the control vehicles (128 percent).

Figure 4: Estimated differences in noncrash fire claim frequency for Hyundai Santa Fe versus the control group by engine type and model year

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Figure 5 shows the estimated differences in the noncrash fire claim frequency by engine type for the 2013–14 Hyundai Santa Fe Sport. Vehicles with either the 2.0-liter turbocharged engine or the 2.4-liter engine had significantly higher noncrash fire claim frequencies than the control vehicles. The magnitude of the effect was larger for the 2013 model year. The 2.0-liter turbocharged engine was also associated with higher claim frequencies than the 2.4-liter engine for both model years.

Figure 5: Estimated differences in noncrash fire claim frequency for Hyundai Santa Fe Sport versus the control group by engine type and model year

The 2.0-liter turbocharged, 2.4-liter and 3.5-liter engines were all associated with significantly higher noncrash fire claim frequencies across vehicles and model years. Figures 6–8 show the trends of noncrash fire claim frequencies by vehicle age for those with the 2.0-liter turbocharged engine (i.e., Kia Optima, Hyundai Sonata, and Hyundai Santa Fe Sport), the 2.4-liter engine (i.e., Kia Optima, Hyundai Sonata, Kia Sorento, Hyundai Santa Fe, and Santa Fe Sport) and the 3.5-liter engine (i.e., Kia Sorento and Hyundai Santa Fe). For all engine variants, the risk of noncrash fire increases with vehicle age, but the 3.5-liter engine had a smaller growth rate compared with the other two engines.

Figure 6: Observed noncrash fire claim frequencies for 2.0-liter turbocharged engine by vehicle age

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Figure 7: Observed noncrash fire claim frequencies for 2.4-liter engine by vehicle age

Figure 8: Observed noncrash fire claim frequencies for 3.5-liter engine by vehicle age

� Discussion

For the vehicles examined, the overall trends in noncrash fire claim frequencies by model year were consistent with the results of the previous study (HLDI, 2018a). In general, the studied Kia/Hyundai vehicles of all engine types had higher claim frequencies than the control vehicles. This could be an indication of a problem unrelated to any specific engine that affects all vehicles.

On the other hand, vehicles with the 2.0-liter turbocharged engine had substantially higher noncrash fire claim frequencies compared with the other engine types and the control vehicles. This could be an indication of further problems with the turbocharged engine. A concurrent study by HLDI (2018b) indicates that in general, turbocharged engines are associated with higher noncrash fire claim frequencies compared with nonturbo engines. Further inves-tigation is needed to determine whether the turbocharged engine is a determinant or only an influencing factor for the elevated noncrash fire risk.

Vehicles with the 2.4-liter engine also exhibited elevated noncrash fire risk, although not as high as the 2.0-liter turbo-charged engine. Both engines are from the Theta II engine family, which are currently the subject of ongoing NHTSA investigations (RQ 17-003 and RQ 17-004). In 2017, Kia and Hyundai recalled several series of vehicles with Theta II engines, which could cause problems with oil flow or engine seizing (#17V224000 and #17V226000, respectively). The recalled vehicles included several model years of the vehicles examined in this study. Although these recalls were not noncrash fire-related, these engine problems could be related to the elevated noncrash fire risk for vehicles with the 2.0-liter turbocharged engine and 2.4-liter engine. The 3.3-liter engine and 3.5-liter engine are from the Lambda engine family, which showed smaller differences in noncrash fire claim frequency compared with the control vehicles.

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The results of this analysis will be shared with NHTSA’s Office of Defects Investigation in support of their ongoing investigations.

Regression analysis was used to quantify the difference between the study vehicles and same size and class control ve-hicles without noncrash fire-related recalls while controlling for other covariates. This study like most HLDI studies controls for calendar year, garaging state, vehicle density (number of registered vehicles per square mile), rated driver age group, rated driver gender, rated driver marital status, deductible range, and risk. These covariates are highly correlated with collision claim frequency. However, unlike collision claims, noncrash fire claims do not result from a crash and can occur without a driver in the vehicle. Therefore, it is not expected that all the covariates typically used would be relevant to the noncrash fire claims. In similar studies on noncrash fire losses for different vehicles, HLDI conducted several analyses with and without different covariates, but the inclusion or exclusion of certain covariates did not significantly impact the results.

HLDI will continue to evaluate the effect of these covariates on noncrash fire insurance losses in future studies. For consistency with other studies, the results presented in this bulletin include the usual covariates except for the model year, because only one model year was examined at a time.

References

Highway Loss Data Institute. (2018a). Noncrash fire insurance losses for Kia and Hyundai midsize four-door cars and SUVs. Loss Bulletin, 35(32). Arlington, VA.

Highway Loss Data Institute (2018b). Noncrash fire losses for turbo/supercharged engines. Loss Bulletin, 35(42). Arlington, VA.


Appendix: Illustrative regression results — noncrash fire claim frequency for 2012 Kia Optima

Parameter

Degrees of

freedom Estimate EffectStandard

errorWald 95%

confidence limits Chi-square P-value

Intercept 1 -14.3349 0.1156 -14.5615 -14.1083 15377.80 <0.0001

Calendar year 2011 1 -0.3133 -26.9% 0.3382 -0.9762 0.3496 0.86 0.3543

2012 1 -0.6862 -49.7% 0.1168 -0.9151 -0.4573 34.52 <0.0001

2013 1 -0.7389 -52.2% 0.0987 -0.9324 -0.5454 56.03 <0.0001

2014 1 -0.6273 -46.6% 0.0919 -0.8075 -0.4471 46.55 <0.0001

2015 1 -0.4373 -35.4% 0.0847 -0.6033 -0.2713 26.67 <0.0001

2016 1 -0.1732 -15.9% 0.0781 -0.3263 -0.0201 4.91 0.0266

2018 1 0.0433 4.4% 0.0886 -0.1303 0.2169 0.24 0.6249

2017 0 0 0 0 0 0

Deductible range 0 1 -0.1931 -17.6% 0.1249 -0.4379 0.0517 2.39 0.1220

1–50 1 -0.7341 -52.0% 0.2542 -1.2323 -0.2359 8.34 0.0039

51–100 1 -0.3662 -30.7% 0.0906 -0.5437 -0.1886 16.33 <0.0001

101–200 1 -0.3109 -26.7% 0.2054 -0.7134 0.0916 2.29 0.1300

201–250 1 -0.1510 -14.0% 0.0841 -0.3159 0.0138 3.22 0.0726

501–1000 1 0.0336 3.4% 0.0802 -0.1236 0.1908 0.18 0.6751

1001+ 1 -0.2559 -22.6% 0.3557 -0.9531 0.4412 0.52 0.4718

251–500 0 0 0 0 0 0Registered vehicle density <50 1 0.4800 61.6% 0.0992 0.2855 0.6745 23.40 <0.0001

50–99 1 0.0607 6.3% 0.1012 -0.1376 0.2590 0.36 0.5484

100–249 1 0.0715 7.4% 0.0834 -0.0920 0.2349 0.73 0.3915

250–499 1 -0.2317 -20.7% 0.0906 -0.4093 -0.0541 6.54 0.0106

500–999 1 -0.0631 -6.1% 0.0810 -0.2219 0.0956 0.61 0.4357

1000+ 0 0 0 0 0 0

State Alabama 1 0.5252 69.1% 0.1684 0.1951 0.8553 9.72 0.0018

Alaska 1 -0.0011 -0.1% 0.7142 -1.4008 1.3987 0.00 0.9988

Arizona 1 -0.2418 -21.5% 0.2196 -0.6723 0.1886 1.21 0.2708

Arkansas 1 0.3305 39.2% 0.2479 -0.1555 0.8164 1.78 0.1826

California 1 -0.0826 -7.9% 0.1234 -0.3244 0.1592 0.45 0.5030

Colorado 1 -1.3510 -74.1% 0.4560 -2.2448 -0.4572 8.78 0.0031

Connecticut 1 0.1375 14.7% 0.2404 -0.3337 0.6086 0.33 0.5673

Delaware 1 0.6183 85.6% 0.3045 0.0215 1.2151 4.12 0.0423

Dist of Columbia 1 0.8434 132.4% 0.4192 0.0217 1.6651 4.05 0.0443

Florida 1 -0.0061 -0.6% 0.1288 -0.2586 0.2464 0.00 0.9620

Georgia 1 0.0901 9.4% 0.1464 -0.1970 0.3771 0.38 0.5386

Hawaii 1 -1.3674 -74.5% 1.0040 -3.3353 0.6004 1.85 0.1732

Idaho 1 -1.0444 -64.8% 0.7140 -2.4439 0.3550 2.14 0.1435

Illinois 1 -0.2332 -20.8% 0.1660 -0.5586 0.0921 1.97 0.1599

Indiana 1 -0.1189 -11.2% 0.2158 -0.5419 0.3042 0.30 0.5818

Iowa 1 0.0676 7.0% 0.2533 -0.4289 0.5641 0.07 0.7897

Kansas 1 -0.4438 -35.8% 0.3147 -1.0607 0.1731 1.99 0.1585

Kentucky 1 -0.3571 -30.0% 0.2410 -0.8294 0.1153 2.19 0.1385

Louisiana 1 0.3488 41.7% 0.1836 -0.0111 0.7087 3.61 0.0575

Maine 1 -0.0165 -1.6% 0.4575 -0.9131 0.8801 0.00 0.9712

Maryland 1 0.3053 35.7% 0.1659 -0.0198 0.6305 3.39 0.0657

Massachusetts 1 -0.0392 -3.8% 0.1967 -0.4247 0.3463 0.04 0.8420


Appendix: Illustrative regression results — noncrash fire claim frequency for 2012 Kia Optima

Parameter

Degrees of

freedom Estimate EffectStandard

errorWald 95%

confidence limits Chi-square P-value

Michigan 1 -0.0558 -5.4% 0.1987 -0.4453 0.3337 0.08 0.7790

Minnesota 1 -0.4682 -37.4% 0.2401 -0.9388 0.0024 3.80 0.0512

Mississippi 1 0.7887 120.1% 0.1827 0.4307 1.1467 18.64 <0.0001

Missouri 1 -0.0057 -0.6% 0.1948 -0.3875 0.3760 0.00 0.9766

Montana 1 -0.6256 -46.5% 0.7161 -2.0291 0.7778 0.76 0.3823

Nebraska 1 -1.5246 -78.2% 0.7127 -2.9214 -0.1278 4.58 0.0324

Nevada 1 -0.2289 -20.5% 0.3052 -0.8271 0.3693 0.56 0.4533

New Hampshire 1 -0.3705 -31.0% 0.5101 -1.3701 0.6292 0.53 0.4677

New Jersey 1 -0.1018 -9.7% 0.1711 -0.4371 0.2335 0.35 0.5517

New Mexico 1 -0.8803 -58.5% 0.4590 -1.7799 0.0192 3.68 0.0551

New York 1 -0.0462 -4.5% 0.1408 -0.3222 0.2297 0.11 0.7425

North Carolina 1 -0.1288 -12.1% 0.1760 -0.4737 0.2162 0.54 0.4645

North Dakota 1 -7.9150 -100.0% 28.7026 -64.1711 48.3411 0.08 0.7827

Ohio 1 -0.0397 -3.9% 0.1584 -0.3502 0.2708 0.06 0.8020

Oklahoma 1 0.2119 23.6% 0.2283 -0.2355 0.6594 0.86 0.3532

Oregon 1 -0.5238 -40.8% 0.3651 -1.2395 0.1919 2.06 0.1514

Pennsylvania 1 0.0438 4.5% 0.1537 -0.2575 0.3452 0.08 0.7755

Rhode Island 1 -1.0417 -64.7% 0.7127 -2.4386 0.3553 2.14 0.1439

South Carolina 1 0.3674 44.4% 0.1743 0.0258 0.7089 4.44 0.0350

South Dakota 1 -0.4402 -35.6% 0.5865 -1.5897 0.7092 0.56 0.4529

Tennessee 1 0.1857 20.4% 0.1779 -0.1630 0.5345 1.09 0.2966

Utah 1 -0.4904 -38.8% 0.3881 -1.2511 0.2702 1.60 0.2064

Vermont 1 -7.3558 -99.9% 26.3787 -59.0570 44.3454 0.08 0.7804

Virginia 1 -0.0635 -6.2% 0.1718 -0.4003 0.2733 0.14 0.7117

Washington 1 -0.1843 -16.8% 0.2418 -0.6583 0.2896 0.58 0.4459

West Virginia 1 0.3450 41.2% 0.2938 -0.2308 0.9209 1.38 0.2402

Wisconsin 1 0.1166 12.4% 0.2010 -0.2774 0.5106 0.34 0.5619

Wyoming 1 -8.2759 -100.0% 36.5825 -79.9763 63.4246 0.05 0.8210

Texas 0 0 0 0 0 0

Rated driver age <25 1 -0.0410 -4.0% 0.0944 -0.2260 0.1439 0.19 0.6636

≥66 1 -0.2906 -25.2% 0.0815 -0.4504 -0.1308 12.71 0.0004

Unknown 1 -0.0895 -8.6% 0.1589 -0.4009 0.2219 0.32 0.5732

25–65 0 0 0 0 0 0

Rated driver gender Male 1 0.0215 2.2% 0.0566 -0.0895 0.1325 0.14 0.7043

Unknown 1 0.2435 27.6% 0.2385 -0.2238 0.7109 1.04 0.3072

Female 0 0 0 0 0 0Rated driver marital status Single 1 0.3134 36.8% 0.0590 0.1977 0.4291 28.18 <0.0001

Unknown 1 -0.0737 -7.1% 0.2328 -0.5300 0.3825 0.10 0.7514

Married 0 0 0 0 0 0

Risk Nonstandard 1 0.2485 28.2% 0.0899 0.0723 0.4247 7.64 0.0057

Standard 0 0 0 0 0 0

Engine type 2.0-liter turbocharged engine 1 1.2738 257.4% 0.1264 1.0260 1.5216 101.51 <0.0001

2.4-liter engine 1 0.7491 111.5% 0.0970 0.5589 0.9393 59.59 <0.0001

Others 0 0 0 0 0 0

The Highway Loss Data Institute is a nonprofit public service organization that gathers, processes, and publishes insurance data on the human and economic losses associated with owning and operating motor vehicles. DW201812 HH

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