It's not how fast the car is, or its safety features. It is the target consumer. Vehicles that appeal to subprime purchasers, boy racers, or other risk takers tend to have higher loss rates compared to similar vehicles.

If you look up high horsepower cars that are known as "old man" sports cars, they tend to have low loss numbers. It is the driver that matters more than any other single factor.

I think the human factor here is a couple of things:

1. many of these drivers are under the impression that their vehicles can drive semi-autonomously, and so they take more risks in not monitoring the system

2. these vehicles are new and high performance, and they appeal to those who want to show off, display status, and take risks in demonstrating the vehicle's capabilities.

3. they are driven on more dense roads