the cost of repairs is what is causing the rate increases, the safety of the car is only a small component of how the rates are determinedThis is something that I hadn't considered, figured it was a no brainer because of the solid safety ratings. I better hurry up and check the rates prior to paying my deposit. FWIW, I have State Farm for home, auto, and umbrella and would be curious to see what others are paying who have State Farm.