How a safe car can help you save

author-avatar By on October 08,2018
How a safe car can help you save

Safer, more modern cars can make for a better value purchase. See the cars considered to be the safest in Australia.

Car safety

There were 1,224 road deaths in Australia over 2017, according to the Department of Infrastructure, Regional Development and Cities. As of August 2018, this number currently sits at 770 deaths, a 2% decrease from the same point in 2017, but a large number nonetheless.

While speed, fatigue, distraction and alcohol and/or drugs are major factors in road deaths, the car itself also plays a significant role. After all, the car still takes damage when you crash, and that’s ultimately what kills or injures most people.

According to ANCAP (Australian New Car Assessment Program), 60% of serious and fatal injuries are due to frontal crashes, with side damage to the car being the next biggest. Depending on the car you choose, how safe it is could literally be the difference between life or death.

That’s why ANCAP releases ongoing safety ratings – a star rating system from one to five indicating the level of safety each car model provides.

ANCAP safety ratings

ANCAP has been doing these ratings since 1993 in order to provide consumers with information about how safe their prospective cars are. According to its methodology, cars are compared on structural integrity, passive safety features (like airbags) and safety assist technologies (such as blind spot monitoring). There’s a major difference between each star rating – a five-star car is much safer than a four-star one, which is also much safer than a car rated three-stars.

ANCAP highly recommends cars that are either rated five or four stars. Cars with three stars are not recommended, while one and two-star cars are classified as dangerous. Based on ANCAP data, people in cars rated three-stars or lower are twice as likely to suffer serious and fatal injuries than those in cars rated 5-stars.

Safest new cars in Australia

There are a lot of five-star cars out there – you’ll find that most new cars released nowadays meet ANCAP’s five-star criteria. If you’re looking at results that have been published from 2017 onwards, then the following cars have been rated as five-stars.

There are way more five-star cars than just the ones shown below too – ANCAP lists 208 in total as of September 2018. It might not be a bad idea to check what your current or future car is rated when it comes to safety.

Safest new small cars

Car model Date of rating
Toyota Corolla 23/08/18
Hyundai i30 29/12/17
Toyota Yaris 12/12/17
Holden Astra 11/10/17
Volkswagen Golf 06/07/17
Honda Civic 26/04/17

Image: Toyota Corolla (Source: ANCAP)  

Safest new medium cars

Car model Date of rating
Alfa Romeo Giulia 21/05/18
Volkswagen Arteon 21/12/17
Toyota Camry 21/11/17
Lexus CT200h 10/10/17
Audi A5 20/03/17

Image: Alfa Romeo Giulia  (Source: ANCAP)

Safest new large cars

Car model Date of rating
Kia Stinger 07/05/18
Holden Commodore 01/02/18
BMW 5 Series 12/04/17
Volvo S90 20/03/17
Toyota Avensis 17/01/17

Image: Kia Stinger (Source: ANCAP)

Safest new sports cars

Car model Date of rating
Mercedes Benz C-Class Cabriolet 06/09/17

Image: Mercedes Benz C-Class Cabriolet  (Source: ANCAP)

Safest new utes

Car model Date of rating
Mercedes Benz X-Class 26/02/18
LDV T60 30/10/17
Isuzu D-Max 06/02/17

Image: Mercedes Benz X-Class (Source: ANCAP)

Safest new SUV’s

Car model Date of rating
Ford Endura 01/08/18
Mazda CX-8 18/07/18
LDV D90 21/12/17
Kia Sorento 19/10/17
Infiniti QX70 17/10/17
Land Rover Discovery 29/06/17
Isuzu MU-X 01/05/17
Toyota Kluger 05/04/17

Image: Ford Endura (Source: ANCAP)

UCSR – Used Car Safety Ratings

The Used Car Safety Ratings (UCSR) are an initiative funded by Monash University, sourcing data from ANCAP. This data focuses solely on second-hand cars that are at least three years old, and is based on the vehicle’s protection of the driver in the event of a crash as well as the danger it poses to other road users.

These ratings demonstrate that you don’t have to sacrifice safety for something more affordable. There are plenty of safe used cars out there that won’t break the budget.

Safest used cars in Australia

In the 2018 UCSR report, the following cars were awarded a five-star rating:

Safest used small cars

Car model Date of rating
Audi A3 04-13
BMW 1 Series 04-13
Volkswagen Golf VII 13-16

Safest used medium cars

Car model Date of rating
Audi A4/S4 B8/AllRoad/RS4 08-15
Ford Mondeo 07-15
Jaguar X-Type 02-10
Mercedes Benz CLK C209 03-09
Subaru Liberty/Legacy/Outback/Exiga 09-14
Volkswagen Passat 06-15

Safest used large cars

Car model Date of rating
BMW 5 Series 03-10
Ford Falcon 08-16
Holden Statesman/Caprice WM/WN 06-16
Mercedes Benz E-Class W212/C207/A207 09-16

Safest used utes

Car model Date of rating
Ford F-Series 01-06
Ford Falcon 08-16
Holden Colorado RC 08-11
Mazda BT-50 11-15
Volkswagen Amarok 11-16

Safest used SUV’s

Car model Date of rating
Car model Year
Audi Q5/SQ5 8R 09-16
BMW X3 E83 04-10
Dodge Nitro 07-11
Ford Territory SZ 11-16
Holden Adventra 03-06
Honda CR-V 12-16
Lexus RX270/350/400h/450h 09-15
Mazda CX-7 06-12
Mazda CX-5 12-16
Mitsubishi/Peugeot Outlander/4007 06-12
Suzuki Grand Vitara 08-16
Toyota Kluger 07-13

How does the safety rating affect me?

It’s obviously not possible to always prevent accidents from happening, as anything can happen at any time. But a car with a good safety rating can save you more than just money. Looking at the trend in fatal car accidents over time, the Department of Infrastructure, Regional Development and Cities shows a decline over the past 10 years. 2017’s tally was 1,224 – still too many, but lower than the high of nearly 1,500 in 2009.

road trauma graph

Source: Bureau of Infrastructure, Transport and Regional Economics (BITRE)

Looking at some of ANCAP’s one and two-star rated vehicles, a fair few of them were made around the late nineties and early two-thousands, and ANCAP strongly suggests that any driver serious about their safety not get such a car. This isn’t to say that you’re guaranteed to be in a crash if you get a car with a lower safety rating, but statistically speaking, these cars are both more likely to be involved in a crash and less likely to protect those inside.’s two cents

Cheap does not always equal safe, nor might it represent good value. While you might be tempted to buy that really cheap old second-hand car, maybe you should consider looking at some slightly more expensive cars that have a higher rating.

A car with a high safety rating isn’t necessarily expensive either. There are plenty of used vehicles with five-star safety ratings that can be bought for under $10,000. In 2014, ANCAP actually stated that new five-star cars were priced as low as $13,000 drive away.

A safe and sturdy car could also save yourself thousands of dollars in insurance excesses and repairs over the years, not to mention the significant personal costs of being involved in a serious accident. You could:

  • become injured and miss work
  • have to fork out large quantities of money for surgeries
  • be taken to court by another disgruntled driver, or
  • ultimately see a loved one injured or killed, which is worse than any expense.

It’s also worth noting that your car insurance premiums might be lower with a safer car, as insurers do factor in the model of the car when handing out policies. Western Australian provider RAC even went as far as to not insure any vehicle rated less than four-stars back in 2012.

At the end of the day, you can’t put a price on safety. Without it, you could lose a lot more than a few bucks.

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William Jolly joined as a Financial Journalist in 2018, after spending two years at financial research firm Canstar. In William's articles, you're likely to find complex financial topics and products broken down into everyday language. He is deeply passionate about improving the financial literacy of Australians and providing them with resources on how to save money in their everyday lives.

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