The Value of IIHS Safety Ratings

The Insurance Institute for Highway Safety (IIHS) is a non-profit organization that performs testing and research on new cars in order to assign safety ratings.  The IIHS conducts various crash tests on new vehicles and assigns ratings based on how they do. They have five main tests to determine crashworthiness: Moderate overlap front, small overlap front, side, roof strength and head restraint. They then rate the vehicles as “good,” “acceptable,” “marginal,” or “poor” in each test. While there are undoubtedly numerous factors in addition to vehicle design which effect a vehicle’s crash worthiness, the IIHS tests have proven to be fruitful. Their ratings help consumers make better informed decisions and have pushed automakers to produce safer vehicles.  A comparison of death and injury reductions for vehicles with a “good” versus a “poor” rating in IIHS tests shows the following:
  • Front offset with moderate overlap test: Fatality risk in head-on crashes is 46% lower
  • Side Impact Crash Test: Fatality risk in side impact crashes 70% lower
  • Rear Impact Test (seat only): Neck injury risk in rear crashes is 15% lower and the risk of neck injury requiring 3+ months treatment is 35% lower

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