Auto insurance models like many other insurance models are often not that smart. The insurance company will charge more of there is more claims payout, but they also want to attract certain client segments and compete with competitors.

Also, claim rates have all kind of confounding factors. Maybe a car is safer but more prone to theft, or more dangerous but easier to repair, or has better controls but is driven by inexperienced drivers etc.

They need to make a profit over their whole insured client population, not necessarily over any given segment or car model, so I wouldn't use insurance rates as data points in determining car safety without a lot of caveats.