2019 Honda Ridgeline RTL-E AWD
Interesting (darned good ;-) question, I googled do insurance companies use IIHS crash ratings to set rates and found a number of (mostly insurance company) articles suggesting both IIHS and NHTSA tests are a factor in rate setting. Didn't spend a lot of time reading the hits but scanning didn't reveal any quick info on the degree of rate impact (pardon the pun), though a nerdwallet hit does talk about safety rating vs insurance cost vs vehicle cost and a sort of weird (IMHO) notion of 'payback'. Just two of the 'hits' ....... do auto insurance companies use the IIHS ratings as a factor in setting their rates?
How Safety Ratings Affect What You Pay for Car Insurance