Best Car Insurance for Chevrolet 2021

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On average, Chevy drivers pay $1,802 each year for car insurance. But depending on the model you have, your insurance rates could vary. A Equinox LT costs $1,701 more more per year to insure than a Cruze LT.

Here’s what drivers pay when they switch with Jerry

Here are some real quotes from Jerry customers who saved money when insuring their Chevrolet.
Quote DateMake/modelCity, StateAgeCarrierCoverage Type
Before Jerry
After Jerry
August 29, 2021Chevrolet Equinox LTDallas, TX33ProgressiveCurrent$218/mo.$94/mo.
August 25, 2021Chevrolet Cruze LTYork, PA20DairylandBasic$328/mo.$116/mo.
March 12, 2021Chevrolet Malibu LTFresno, CA25Aspire AdvantageCustom$160/mo.$135/mo.
August 29, 2021Chevrolet Camaro LSModesto, CA23AllstateStandard$300/mo.$182/mo.
July 21, 2021Chevrolet Traverse LSPhiladelphia, PA30AAACustom$254/mo.$222/mo.

Best insurance carriers for your Chevrolet

Pricing and Reviews

Insurance companies look at a range of different factors when setting their premiums, including your demographics, driving history, and location. But each company weighs the factors a little differently, which means your rates could vary dramatically across insurers—even for the exact same coverage.
The cheapest insurer for Chevrolet is Commonwealth Insurance, with an annual premium of $1,316.
Other popular carriers for Chevrolet include the following:
Nationwide
For tech-savvy drivers with a safe driving record, Nationwide is a good option. They offer a robust online platform, mobile app, and website—all of which earns them a rating of 4.6/5 from Jerry.
Progressive
Progressive is one of the top insurance companies out there. Boasting good financial strength, a wide range of coverage options, and great discounts and features, it’s typically a good choice for tech-savvy or higher-risk drivers. Jerry gives Progressive a rating of 4.6/5.
Kemper
Kemper is a good choice for high-risk drivers who need insurance. It files SR22 forms for drivers who need to provide proof of coverage to the state and even insures vehicles with salvage titles that have been rebuilt after being totaled. Jerry rates Kemper a 4.3/5.
Safeco
For young drivers, Safeco is hard to beat. It also has a claims-free cashback program, which gives you a small refund for every six months that you remain claims-free. Jerry rates Safeco 4.5/5.
Allstate
As one of the biggest, most well-known insurance companies, Allstate has a large network of agents and repair shops across the country. It offers plenty of great digital features, including a rate calculator, mobile app, online bill payment, and online claim reporting. Allstate gets 4.5/5 from Jerry.
Travelers
Drivers who choose Travelers will benefit from their great insurance add-ons, including roadside assistance, rental car reimbursement, accident forgiveness, new car coverage, and gap coverage. The provider also offers plenty of driver discounts to help lower premiums, including for safe drivers and good students. Jerry gives Travelers a 4.7/5 rating.
State Auto
State Auto is a good choice for safe, experienced drivers looking to get the most out of their insurance. The company has a wide variety of coverage options and offers online filing for claims. State Auto gets a 4.1/5 rating from Jerry.
National General
National General specializes in insurance for high-risk drivers. The company also has a claims satisfaction guarantee in most states and will waive your deductible up to $250 if you’re not happy with your claims experience. Jerry gives National General a rating of 4.1/5.
Dairyland
Dairyland is also a great option for higher-risk drivers. With flexible payment plans, plus 24/7 live claims support in almost 40 states, Jerry rates Dairyland 4.6/5.
Clearcover
Clearcover is a top pick for tech-savvy drivers. It has an award-winning app that lets you file a claim, pay your bill, and access proof of insurance—all while keeping communication entirely online. Jerry rates Clearcover a 4.1/5.

How to compare prices to find the most affordable coverage

Each insurance provider has its own proprietary formula to calculate insurance rates. Try comparing the exact same coverage from two different companies—you’ll probably end up with two very different quotes!
When it comes to insurance, remember that the cheapest option isn’t necessarily the best. If you’re sacrificing coverage you need in order to save some money, you could find yourself in a sticky financial situation in the event of an accident.
To find the best policy and premium, it’s a good idea to compare quotes from at least three different insurers.
Almost every insurance company offers online quotes, so you can head to their website, fill out a form, and get your rate. But if you’ve ever done this, you know how monotonous and time-consuming it can be.
To make sure you’re getting the right coverage for the best price, comparison- shop with Jerry.
Jerry is a personal insurance broker that lives in your pocket. But don’t worry about buying tiny office furniture, Jerry is an app. Once you download Jerry, just answer a handful of questions that will take you roughly 45 seconds to complete and you’ll immediately get car insurance quotes for coverage similar to your current plan.
Jerry customers save an average of $879 a year. Oh, and we should mention—Jerry is free.
Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$1,505.37
2Progressive$1,987.97
3Kemper$2,006.06
4Travelers$2,068.03
5National General$2,156.04
Key Takeaway Using a car insurance comparison app like Jerry is the easiest and most effective way to compare quotes from multiple carriers to find the best premium for the coverage you need.

Cost of insuring a Chevrolet

Cost of insuring with minimum coverage and full coverage

The average annual insurance premium for a Chevy is $1,623 per year for minimum car insurance and $2,302 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,689 per year for minimum car insurance and $2,460 for full-coverage insurance.
The rate you pay to insure your Chevrolet will depend on the coverage you select. Each state has its own minimum insurance requirements that you must meet to legally hit the road.
Here are the basic types of insurance that your state may require:
Coverage typeProtection offered
Bodily injury liability (per person and per accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with damage you cause to other people’s vehicles or property
Uninsured motorist protection (per person and per accident)Applies when a car accident isn’t your fault but the at-fault driver doesn’t have liability insurance to pay for your injuries or property damage
Underinsured motorist protection (per person and per accident)Applies when the at-fault driver has liability insurance, but it isn’t enough to cover your injuries or property damage
Personal injury protection (per person and per accident)Pays for your own medical expenses after a car accident
While these are mandatory, it’s usually best to purchase additional coverage for your Chevy if you can afford it. Even a relatively minor accident can result in thousands of dollars of damage and medical bills. If you’re at fault but don’t have enough coverage, you will be held liable for paying the costs out-of-pocket.
If you’re leasing or financing a Chevrolet, you may be required to purchase full-coverage insurance. It’s also a good idea to opt for full coverage if you can’t afford to replace your car in the event that it’s totaled.
Full coverage typically refers to policies that include collision insurance and comprehensive insurance, plus the liability insurance that the state requires.
Coverage typeProtection offered
CollisionApplies if you get into a collision with someone else’s vehicle or an object
ComprehensiveApplies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism
Here’s what it costs to insure a Chevrolet with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Chevrolet$2,478$1,645$2,219$1,339$2,785$2,109

Cost of insuring based on age and driving record

Your driving record and age help insurance companies understand your experience and risk level. Since younger drivers typically get into more accidents, they tend to pay more. Older drivers with more experience usually have lower car insurance rates.
Insurance companies also consider traffic violations when setting premiums. A minor speeding ticket or failure to stop on your record might lead to a small increase in your insurance rate. Serious offenses, like driving under the influence (DUI) and careless driving, have a far more significant impact on your premiums and will remain on your record for many years.
But there’s good news! If you improve your driving habits and maintain a clean record moving forward, you’re likely to see your premiums drop.
Here’s how accidents and violations can affect car insurance costs for Chevys by age group:
Key Takeaway Insurance costs for your Chevrolet will vary depending on factors like your driving record, age, and insurance coverage needs.
Read more about your model {carMake}
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.

Cost of insuring your Chevrolet by year

Most and least expensive years of car

Sure, a new car might be beautiful and shiny and clean—but it won’t get you the lowest insurance rate. Thanks to depreciation, older cars tend to have lower insurance premiums.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. And the less your car is worth, the less it costs to repair or replace if you need to make a claim. For you, this means insurance savings.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Chevys are 1985 and 1984.
The most expensive years for Chevys are 1983 and 2020.
Year
Before Jerry
After Jerry
2021$2,579$1,464
2020$2,773$1,515
2019$2,761$1,533
2018$2,820$1,561
2017$2,591$1,465
2016$2,745$1,461
2015$2,487$1,373
2014$2,504$1,407
2013$2,402$1,345
2012$2,544$1,357
2011$2,649$1,403
2010$2,265$1,254
2009$2,271$1,271
2008$2,213$1,218
2007$2,232$1,192
2006$2,214$1,170
2005$1,976$1,125
2004$1,826$1,086
2003$1,962$1,117
2002$2,238$1,159
2001$1,735$1,024
2000$1,714$973
1999$1,632$939
1998$1,719$1,034
1997$1,753$1,042
1996$1,533$926
1995$1,459$871
1994$2,322$1,313
1993$2,320$1,304
1992$1,600$1,006
Key Takeaway Since older Chevrolets typically cost less to repair or replace than newer ones and may not be leased or financed, they tend to have cheaper insurance rates.

Cost of insuring a Chevrolet in your city

Your location can have a bigger impact on your premium than you might realize. Accident rates, crime rates, and natural disaster incidences vary by area—and premiums vary, too. Insurance rates for Chevys can be completely different even within the same state!
For your insurer, iIt’s all about risk for your insurer. If your city has lots of car thefts, collisions, or severe weather events, you can expect to pay more for your coverage since there’s a greater risk for your insurance company.
According to our data, there is a high percentage of Chevrolet drivers in cities including Houston (TX), Atlanta (GA), Phoenix (AZ), Bartow (FL) and Dallas (TX).
The cheapest car insurance for Chevrolet for Jerry users is in Perryville (MO) and Mount Joy (PA).
The most expensive car insurance for Chevrolet for Jerry users is in Haines City (FL) and Arkansas City (KS).
City
Before Jerry
After Jerry
Houston$2,437$1,682
Atlanta$3,642$2,546
Phoenix$2,570$1,757
Dallas$2,382$1,794
Austin$2,788$1,900
Philadelphia$3,176$2,123
Orlando
$3,057$2,392
Woodbridge$4,580$2,150
Jacksonville$3,623$2,430
Pensacola
$2,632$2,081
Key Takeaway If you live in an area that has high rates of theft, collisions, or severe weather events, you can expect to pay more for your car insurance.
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