Chevrolets cost around $45 monthly for minimum coverage and $140 for full coverage. The automaker ranks fifth for minimum coverage affordability and 17th for full coverage among the brands in our study.
Chevrolet Car Insurance
Updated: July 1, 2025
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Key Takeaways
State Farm and GEICO offer the best and cheapest overall car insurance for Chevrolet vehicles with rates starting at $35 monthly.
Chevrolet auto insurance costs range from $420 to $1,811 annually for most drivers, but this can depend on factors like age, model and coverage type chosen.
Chevrolet car insurance is generally more affordable than many top automotive brands, ranking fifth out of 23 automakers we studied for state minimum coverage and 17th for full coverage.
How Much Is Chevrolet Insurance on Average?
Coverage Level | Average Monthly Rate | Average Annual Rate | Affordability Ranking (Out of 23) |
|---|---|---|---|
Minimum Coverage | $45 | $542 | 5th |
Full Coverage | $140 | $1,676 | 17th |
*Rates are for a 40-year-old driver with good credit and no driving violations insuring 2012 to 2022 models.
Chevrolet Car Insurance Cost by Model
The Chevrolet Camaro ZL1 is the costliest Chevrolet to insure, averaging $49 monthly for state minimum coverage and $172 for full coverage. The Chevrolet Cruze is the most affordable, with insurance rates typically at $57 per month for state minimum and $106 monthly for full coverage.
| Chevrolet Corvette | $506 | $1,745 |
| Chevrolet Camaro ZL1 | $586 | $1,960 |
| Chevrolet Camaro | $616 | $1,484 |
| Chevrolet Cruze | $684 | $1,401 |
| Chevrolet Camaro SS | $575 | $1,531 |
*Rates are for a 40-year-old driver with good credit and no driving violations for model years ranging from 2012 to 2022.
Chevrolet Car Insurance Cost by Model Year
Typically, we have found that the pricier and newer your car is, the higher your insurance costs will be. Below, you can compare costs for your Chevrolet vehicle by model and year.
Data filtered by:Results filtered by:
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Model Year:2010
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Chevrolet Model:Chevrolet Camaro
| Chevrolet Camaro | 2010 | $630 | $1,331 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Chevrolet Car Insurance Cost by Age
Chevrolet insurance can vary from $551 per year to around $7294 annually, depending on your age and coverage level. Teens typically face the highest car insurance rates, but these costs generally decrease until you're about 60 years old. After that milestone, auto insurance tends to inch up in cost as you grow older. Below, a table clearly shows how age impacts Chevrolet insurance costs.
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Age:16
| 16 | $2,834 | $7,294 |
*Rates are for a driver with good credit and no driving violations.
Is Chevrolet Insurance Expensive?
Overall, Chevrolet insurance ranks fifth for minimum coverage affordability and towards the middle at 17th for full coverage. Their reasonable pricing and overall value often lead to more affordable insurance than premium automakers. In a recent LendingTree study, Chevrolet drivers displayed fewer incidents, potentially lowering insurance rates.
How Expensive Is Chevrolet Insurance Compared to Similar Vehicles?
We've compared rates for a 2024 Camaro to comparable coupes and sedans in terms of MSRP. We found that while minimum coverage rates are similar, full coverage rates are up to 14% less expensive. In places like California, Hawaii, and Massachusetts, car insurance rates can't consider your age. Instead, they look at your driving record, your car type, and where you live to figure out your premium.
Make and Model | Average MSRP | Annual Minimum Coverage Rate | Annual Full Coverage Rate |
|---|---|---|---|
$39,940 | $617 | $1,681 | |
$47,873 | $603 | $1,908 | |
$36,045 | $690 | $1,959 | |
$38,450 | $594 | $1,932 |
Cheapest Chevrolet Car Insurance Companies
The cheapest overall car insurance company for Chevrolet vehicles is GEICO, with average monthly rates of $35 for minimum coverage and $121 for full coverage. Affordable alternatives include State Farm, Travelers, Nationwide, and Allstate.
| GEICO | $35 | $121 |
| State Farm | $38 | $118 |
| Travelers | $44 | $131 |
| Nationwide | $47 | $129 |
| Allstate | $49 | $151 |
Cheapest Car Insurance by Model
While the above companies offer minimum coverage at great rates, State Farm is the most affordable for the Chevrolet Malibu, Equinox, and Silverado. For the Chevrolet Cruze, GEICO provides the cheapest option.
| Chevrolet Camaro | State Farm | $39 | $106 |
| Chevrolet Camaro SS | State Farm | $37 | $108 |
| Chevrolet Camaro ZL1 | GEICO | $34 | $153 |
| Chevrolet Corvette | Nationwide | $31 | $100 |
| Chevrolet Cruze | State Farm | $39 | $93 |
Cheapest Chevrolet Car Insurance by Model Year
Explore the table below for the most affordable Chevrolet car insurance tailored to your model and year.
Data filtered by:Results filtered by:
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Model:Chevrolet Camaro
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Model Year:2010
| State Farm | $420 | $994 |
| GEICO | $464 | $1,291 |
| Allstate | $623 | $1,332 |
| Nationwide | $603 | $1,367 |
| Travelers | $619 | $1,410 |
Cheapest Chevrolet Car Insurance by Age
The lowest overall Chevrolet Insurance rates by age vary anywhere from $145 per month to $674 monthly, offered by State Farm. Below, you'll find the top five most affordable providers broken down by different ages for Chevrolet vehicles.
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Age:40
| GEICO | $477 | $1,451 |
| State Farm | $512 | $1,418 |
| Travelers | $594 | $1,576 |
| Nationwide | $677 | $1,543 |
| Allstate | $644 | $1,811 |
Best Car Insurance for Chevrolet Vehicles
From our research, we found that the best overall companies to insure your Chevrolet with are State Farm, GEICO, Travelers, Nationwide, and Farmers. Each company has a great mix of low rates, extensive coverage options, and good customer service reputations.
| State Farm | 89 |
| GEICO | 88 |
| Travelers | 86 |
| Nationwide | 85 |
| Farmers | 81 |
State Farm: Best for Most Chevrolet Drivers
pros
High customer satisfaction ratings
Lowest rates for most Chevrolet drivers
Extensive discounts for young drivers
cons
Higher rates for Chevrolet Corvette owners
COMPANY HIGHLIGHTS
For Chevrolet vehicles, State Farm stands out with the cheapest overall rates for their vehicles, with the lowest possible premiums for most models. Where the company stands out most is its higher-than-average customer service and claims satisfaction, ranking 6th overall for claims and within the top five for overall satisfaction in 42 out of 52 states. They also offer attractive discounts for drivers under 25, with reductions for students and a defensive driving program that can save you up to 20%.
GEICO: Best for Older Chevrolet Drivers
pros
Most affordable rates for older drivers
Great customer satisfaction ratings in the North East and for their Usage-based program
Most extensive discount selection, especially for federal employees and military
cons
Lower than average customer service ratings nationwide
Expensive rates for some Chevrolet models
COMPANY HIGHLIGHTS
While State Farm was the most affordable for most other Chevrolet drivers, GEICO stands out as the most affordable provider for older Chevrolet drivers. GEICO also offers the most extensive discount selections with unique premium reductions for federal employees, military, and younger drivers that can save you up to 25%. For those in New England, Texas and New York, the company ranks within the top five for overall customer satisfaction and 2nd nationwide for their usage-based discount program DriveEasy (Which can save you up to 30% on premiums).
Nationwide: Best Car Insurance Coverage Options for Chevrolet Owners
pros
Offers a pay-per-mile program and unique add-on coverages
Low cost full coverage policies for Chevrolet vehicles
Highest-rated usage-based discount program in the country
cons
Expensive minimum coverage policies
Much lower than average customer satisfaction nationwide
COMPANY HIGHLIGHTS
Nationwide is frequently within the top three most affordable full coverage car insurance policies for Chevrolet vehicles. The company offers coverage options for a pay-per-mile car insurance program called SmartMiles and a vehicle value upgrade add-on that replaces your car with a new vehicle of comparable value if your car is totaled. The company also has the best customer satisfaction rating for their usage-based car insurance discount program SmartRide, according to J.D. Power.
How to Find the Best Cheap Car Insurance Company for Your Chevrolet
Discover how to secure affordable Chevrolet insurance with our straightforward tips.
- 1
Assess your needs
Determine the insurance coverage suitable for you, your comfort level with deductibles, and any optional coverages that could save costs in an accident. Use tools like our car insurance coverage needs calculator to receive tailored advice and explore your options.
- 2
Research average costs and discounts
Investigate insurance costs for your Chevrolet to grasp how much you're conserving on average once you start comparing quotes.
- 3
Compare multiple providers
Compile quotes from various insurers and ensure you're comparing equivalent coverage, deductibles, and limits. Assess company reputations, discounts, and coverage options.
Chevrolet Auto Insurance Cost: Bottom Line
Chevrolet's full coverage insurance ranks 17th, expensive compared to other brands. But, their state minimum coverage is a deal at fifth place. For savings, always compare rates from different providers.
Chevrolet Car Insurance: FAQ
Below are MoneyGeek expert answers to frequently asked questions about Chevrolet car insurance.
Which insurance company is the cheapest for Chevrolet?
GEICO, State Farm and Travelers are the top three providers offering the most affordable rates for Chevrolet car insurance.
How much is Chevrolet car insurance?
The average annual cost for full coverage Chevrolet car insurance is $1,676, while state minimum coverage averages at $542 annually. Monthly, you would pay about $140 for full coverage and roughly $45 for state minimum coverage.
Is car insurance on a Chevrolet more expensive?
Car insurance on a Chevrolet is generally less expensive, owing to its wide availability of parts, and the prevalence of service centers. Chevrolets are also often less costly to repair or replace compared to luxury brands.
Which Chevrolet model is the cheapest to insure?
Overall, the Chevrolet Corvette is the cheapest Chevrolet vehicle to insure, primarily due to its lower value and repair costs.
How We Determined Chevrolet Auto Insurance Costs
We calculated Chevrolet insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile:
- 40-years-old
- Good credit
- No driving violations
- 12,000 miles driven annually
Coverages used for minimum coverage are based on state requirements. Full coverage includes a 100/300/100 liability insurance split and comprehensive and collision coverage with a $1,000 deductible.
How We Chose Best and Cheapest Car Insurance For Chevrolets
To calculate the best car insurance for Chevrolet vehicles, MoneyGeek used a comprehensive scoring system based on five key factors:
- Customer satisfaction (35%): Measured using J.D. Power's study and the National Association of Insurance Commissioners (NAIC) complaint index
- Affordability (30%): Assessed by comparing rates from Quadrant Information Services
- Claims (20%): Evaluated through the J.D. Power Claims Study and CRASH Report Card
- Coverage (10%): Focused on roadside assistance, rental car reimbursement, OEM coverage and gap insurance
- Stability (5%): Determined by AM Best ratings on financial health
Data Sources
- AM Best: Financial strength ratings for insurers
- J.D. Power: Industry research and analytics
- NAIC: Consumer complaint and insurance data
- Quadrant Information Services: Car insurance pricing and comparative data
Analysis
MoneyGeek reviewed 80,676 quotes from seven companies using a standard driver profile (male, 40 years old, single, clean record) while adjusting for age, location and driving history.
Coverage Levels and Deductibles
- Minimum coverage: Covers damage to other's property
- Full coverage: Includes comprehensive (e.g., fire, weather) and collision (e.g., accidents) insurance
- Deductibles: Out-of-pocket costs before insurance payment starts
The term 100/300/100 means:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- LendingTree. "Tesla, Ram, Subaru Have Worst Drivers, While Mercury, Pontiac, Cadillac Have Best." Accessed June 18, 2025.