As the controversy rages about the safety of stylish, supersized road hogs, insurers are beginning to charge more for these vehicles.
Allstate sets rates for liability and personal injury coverage based on the claims experience of specific types of vehicles.
Liability, which accounts for about 60% of your auto insurance bill, includes bodily injury and property damage to others.
Personal injury coverage - about 10% of your premium - includes medical payments for the insured person's injuries.

Data from Allstate's claims supported federal accident statistics that show (surprise, surprise) higher-riding, heavier vehicles - such as many large SUVs, vans and pickups - cause more extensive damage and injuries when they collide with largeer cars.

On the other hand, most of the big vehicles do a pretty good job of protecting their own occupants.
As a result, an Allstate customer with a large SUV could pay up to a 13% surcharge for liability coverage, and get a 7% discount on personal injury coverage.
The pricing plan applies only in certain states. 

Progressive Insurance, the fourth-largest auto insurer, has been using a similar system.
Farmers Insurance, the third-largest U.S. auto insurer, will adopt a similar structure for liability and personal injury rates.
This is simply a continuation of our strategy of pricing as accurately as possible.
Vehicles which generate fewer and less costly accidents deserve lower rates, and vice versa.

The insurers using this rating structure say it's a matter of fairness.