Best Auto Insurance for Chevrolets in 2025

If you drive a Chevrolet, shop with Nationwide, Liberty Mutual, and State Farm The best auto insurance for Chevrolets starts at $41 per month with Geico. Liberty Mutual stands out with the biggest discounts for anti-theft devices and safe driving.

Our Top 10 Company Picks: Best Auto Insurance for Chevrolets

Geico keeps premiums low on models like the Malibu and Traverse by offering discounts for features like lane departure warnings and anti-lock brakes, but AmFam has the best customer service for Chevrolet car insurance claims.

Looking to buy auto insurance for your Chevrolet at a great price? Enter your ZIP code to see what’s available near you.

Compare Chevrolet Car Insurance Rates From Top Providers

When you’re shopping for the best car insurance for Chevrolets, picking the right policy could save you hundreds each year, especially if you’re aiming for the cheapest car insurance without sacrificing essential protection.

Chevrolet Auto Insurance Monthly Rates by Coverage Level

Geico’s $41 monthly minimum coverage works well if you own your Chevy outright and just need the basics to stay legal. AmFam’s $145 per month for full coverage is a smart middle ground if you drive a newer model and want solid protection without overpaying.

Liberty Mutual is one of the most expensive Chevrolet car insurance companies, costing over $200 per month for full coverage. However, it has more customizable policy options for drivers who need them, including classic insurance for Chevrolet Camaros and other unique models.

Getting the cheapest Chevrolet car insurance will depend on how much coverage you need, where you live, and your driving record. Comparing quotes online will help you narrow down which provider is the best fit.

Chevrolet Auto Insurance Rates for High-Risk Drivers

If you drive a Chevrolet, your record has a big say in your monthly insurance bill. If you’re not sure how driving habits affect pricing, check out our definitive guide to usage-based car insurance to see how tracking tools can lower your rate.

One average, Chevy drivers pay $54 per month for minimum coverage, but just one speeding ticket bumps that up to $65 monthly. If you have multiple violations, you could see your rates increase to $108 a month, which equals out to almost $650 more per year.

How Chevrolet Insurance Rates Vary by Model

The newer your Chevy, the more you’re likely to pay each month, mostly because those modern parts and sensors aren’t cheap to replace. If you’re trying to keep costs down, the year of your vehicle matters more than most drivers think, especially when you’re paying for comprehensive auto insurance on a newer model.

Chevrolet Auto Insurance Rates by Model Year

Chevrolets have some of the most expensive models to insure. A brand-new Chevrolet runs about $306 per month for full coverage, which makes sense with all the built-in tech and higher repair costs. Drop back to a 2022 model, and you’re saving around $35 a month, which adds up fast.

What you drive tells insurers a lot about how risky or costly you might be to cover, which is why it’s important to compare insurance rates by car model before choosing a policy.

Chevrolet Auto Insurance Monthly Rates by Model

A Corvette, for example, runs about $329 per month for full coverage, the highest on the list, and no surprise — it’s fast and expensive to fix. Insurance for the Chevrolet Camaro, another sporty model, comes in at $269 a month. The Bolt EV sits at $243 per month, partly because electric vehicles often mean pricier repairs.

Models like the Equinox and Colorado, both under $231 per month, strike a better balance for everyday use without overspending. Car insurance for a Chevy Malibu is competitive at $226 a month, while a Chevy Cruze only costs around $217 monthly, making it one of the cheapest options for drivers.

See more: Ultimate Guide on the Best Time to Buy a New Car

Best Ways to Save on Chevrolet Car Insurance

If you drive a Chevy, the right discounts can seriously cut your insurance bill. Students,  safe drivers, and those bundling multiple policies get the best savings. However, not all providers offer the same savings, and a few stand out more than others with car insurance discounts you can’t miss.

Top Auto Insurance Discounts for Chevrolets

State Farm’s 35% good student discount is huge if you’ve got a teen driving a Chevy Impala — it could shave off over $40 a month. If you’ve completed a defensive driving course, Progressive’s 31% discount can lower full coverage on a Camaro by close to $80 monthly.

Have an anti-theft system in your Silverado? Liberty Mutual’s 35% discount makes them a solid pick for trucks parked overnight. If you don’t qualify for some or all of these discounts, don’t worry. There are easy ways to lower Chevrolet auto insurance rates, even if you have claims or accidents on your record.

• Park in a Garage: Keeping your Chevy in a garage or secure lot will reduce the risk of theft or vandalism and help lower your full coverage rates.
• Choose Higher Deductibles: Consider how much you could reasonably pay out of pocket for a claim and adjust your deductibles. Increasing a $500 deductible to $1,000 or more can drastically cut your rates.
• Reduce Insurance Coverage: If you drive an older or reliable model, like the Chevy Tahoe or Malibu, you may want to carry liability-only insurance to pay the lowest rates possible.

The best way to find affordable coverage is to shop for Chevrolet insurance quotes online. Comparing multiple companies side-by-side will help you find the right policy at the lowest price.

Auto Insurance Coverages Chevrolet Drivers Need

The coverage you choose can make a big difference to your Chevrolet car insurance cost. If you’re unsure where to start, this quick guide to auto insurance highlights the options that matter most for Chevy owners.

Chevrolet Auto Insurance Coverage Options

Collision helps you avoid paying thousands in repairs if you go back into a pole or another car, and comprehensive pays when a storm shatters your windshield or your Chevy is stolen from your driveway. Medical payments or PIP can help with ER bills or missed work after an accident, even if you were at fault. If someone else causes the damage and they’re uninsured, UM/UIM coverage keeps you from footing the bill.

Gap insurance protects newer models if you still have an auto loan when it’s totaled. OEM parts coverage ensures Chevy repairs use factory-original components, which can preserve resale value.

Top 10 Best Auto Insurance Companies for Chevrolets

Nationwide, Liberty Mutual, and State Farm have the best car insurance for Chevrolets, offering the lowest rates in most states (Read More: State Farm vs. Progressive Auto Insurance). Your rates will vary by where you live and the model you drive, so explore the list below for the best companies for hybrid Chevys, senior drivers, and customer satisfaction.

#1 – Nationwide: Top Pick Overall

Pros

• Vanishing Deductible: Deductibles on Chevrolet claims drop by $100 annually for safe driving, with a cap of $500. Learn how it works in our Nationwide insurance review.
• SmartRide Program: Real-time driver behavior monitoring through usage-based insurance delivers personalized savings of up to 40% on Chevy car insurance.
• Accident Forgiveness: Keeps your Chevrolet auto insurance costs from going up after your first accident if you qualify.

Cons

• Coverage Add-On Costs: Important features like towing or rental for Chevrolets are not included by default, and premiums go up if you add this coverage.
• Fewer Chevrolet Loyalty Rewards: Long-term Chevrolet policyholders receive fewer perks compared to American Family or Allstate.

#2 – Liberty Mutual: Best for Customizable

Pros

• Custom-Built Coverage: Chevy drivers can enhance policy coverage with unique add-ons like better car replacement, where Liberty Mutual replaces a totaled car with a newer model with fewer miles.
• Deductible Fund: Chevrolet policyholders earn $100 off their deductible the first year and $50 each subsequent year without a claim.
• Insurance for Teachers: Educators with Chevrolets get exclusive discounts and coverage for incidents that happen on school property. See how it compares in our Liberty Mutual insurance review.

Cons

• Low Customer Satisfaction Scores: Liberty Mutual consistently ranks below other Chevrolet car insurance companies when it comes to claim satisfaction.
• Premium Variability: Liberty Mutual premiums for Chevrolets with previous claims or aftermarket modifications tend to fluctuate sharply.

#3 – State Farm: Best for Low Mileage

Pros

• Low-Mileage Discounts: You can save 30% on rates if you drive your Chevy less than 7,500 miles annually.
• Drive Safe & Save: Chevrolet drivers tracked with this usage-based app can earn up to 30% off for consistent safe habits. Discover why drivers choose it in our State Farm insurance review.
• Multi-Vehicle Discount: Households insuring two or more vehicles with State Farm can receive additional savings of up to 20% off Chevy auto insurance rates.

Cons

• High Teen Driver Surcharge: Adding a young driver to a Chevrolet car insurance policy significantly raises monthly premiums.
• Regional Renewal Issues: Chevy drivers in high-risk states like California, Florida, and Rhode Island may not be able to renew their policies or buy new coverage.

#4 – Farmers: Best for OEM Coverage

Pros

• OEM Coverage Endorsement: Ensures all Chevrolet repairs use factory-original parts after a covered claim.
• Signal App Telematics: Chevy drivers can earn up to 15% off by maintaining good scores via real-time driving analysis. Learn everything you need to know about Farmers Insurance and its policy features.
• Customized Deductibles: Farmers allows Chevrolet owners to select diminishing or fixed deductibles based on budget and risk tolerance.

Cons

• No Online Quote Adjustments: Chevrolet coverage updates, like adding rental or towing, require direct agent support.
• Limited Availability of Specialty Discounts: Teachers, first responders, or affinity group Chevrolet drivers receive fewer exclusive incentives than competitors.

#5 – The Hartford: Best for Senior Drivers

Pros

• AARP Auto Insurance: Senior Chevrolet owners receive guaranteed renewals, first-accident forgiveness, and exclusive discounts of 10% or more.
• RecoverCare Coverage: The Hartford pays for home services like cleaning or lawn care if a Chevrolet driver is injured in a covered crash. Learn more in The Hartford Insurance Review.
• Lifetime Renewability: Qualified drivers with Chevrolets won’t lose coverage due to age or minor traffic violations.

Cons

• Minimal Tech Integration: The Hartford lacks an app-based telematics program to monitor Chevrolet driving habits.
• Restrictive Eligibility: Only AARP members over 50 are eligible for the most beneficial Chevrolet policy features. Find out who offers better value in our The Hartford vs. Auto Club insurance review.

#6 – Geico: Best for Cheap Rates

Pros

• Cheapest Chevrolet Auto Insurance: Chevy car insurance rates start at $50 per month for minimum coverage and $98 monthly for full coverage.
• Military and Federal Employee Discounts: Eligible Chevrolet drivers receive up to 15% off with Geico’s affiliation savings.
• Highest Financial Strength: Geico holds an A++ A.M. Best Rating for reliable Chevrolet claim payments. Get everything you need to know about Geico in one easy overview.

Cons

• No Gap Coverage: Leased Chevrolets and drivers with auto loans will not find gap insurance with Geico.
• Varied Customer Reviews: Customer experience varies by state, with drivers in the Central and Southwest U.S. rating it below average for customer service.

#7 – American Family: Best for Customer Satisfaction

Pros

• Excellent Claim Response: High J.D. Power ratings for Chevrolet claims handling, particularly for physical damage and total loss cases.
• DreamKeep Rewards: Chevrolet policyholders earn perks for milestone achievements like consecutive claim-free years.
• KnowYourDrive App: Tracks Chevrolet driver habits and offers up to 20% off based on braking, acceleration, and time of day. Find out how to qualify in our American Family Insurance review.

Cons

• Higher Rates in Urban Areas: Chevrolet premiums in metro regions like Phoenix or Miami exceed national averages despite discounts.
• Limited Availability: AmFam auto insurance for Chevrolets is only available in 26 states.

#8 – Allstate: Best for New Chevys

Pros

• New Car Replacement Coverage: Replaces totaled Chevrolets less than two years old with the same model, minus depreciation.
• Deductible Rewards: Get up to $100 deducted from your Chevy collision deductible for every claim-free year, up to $500. See how it works in our Allstate insurance review.
• Comprehensive Insurance Options: Allstate offers add-ons, including rideshare coverage and Mexico auto insurance, for Chevy drivers who need more than standard policies.

Cons

• Mobile App Limitations: In-app policy servicing for Chevrolet coverage lacks certain endorsement options available on the desktop.
• High Monthly Rates: Allstate is the second-most expensive insurance company for Chevrolets after State Farm.

#9 – Travelers: Best for Hybrid/Electric Chevys

Pros

• EV Insurance Discounts: Electric and hybrid models, like the Chevy Bolt and Silverado EV, get an extra 10% off rates.
• EV Claim Expertise: The specialized support team handles Chevrolet EV battery, charging port, and towing claims.
• IntelliDrive Savings: Chevrolet EV drivers can save up to 20% after 90 days of monitored driving. Our Travelers insurance review provides the full scoop on UBI coverage.

Cons

• Limited Risk Flexibility: Drivers with multiple Chevrolet claims or high-mileage EVs may be denied coverage.
• Expensive Full Coverage: Travelers is one of the most expensive Chevrolet auto insurance companies for full coverage, with policies starting at $118 a month.

#10 – Progressive: Best for UBI Coverage

Pros

• Snapshot UBI Savings: Safe Chevrolet drivers using the Snapshot usage-based app can lower their annual rates by $231.
• Loan/Lease Payoff Option: Progressive includes gap insurance add-ons to cover depreciation for financed or leased Chevrolets.
• Name Your Price Tool: Chevrolet owners can customize policies to match their budget. We cover everything you need to know about Progressive in one place.

Cons

• Steep First-Year Hikes: Chevrolet policyholders may face rising premiums at their first renewal, even without claims.
• Low Claims Satisfaction: Progressive has the lowest claims satisfaction rating compared to every other Chevrolet insurance company on this list.

How to Choose the Best Company for Your Chevrolet

Nationwide, Liberty Mutual, and State Farm are the top companies with the best auto insurance for Chevrolets. Geico’s $50 monthly minimum coverage keeps things affordable for those who just need basic protection, but the top three companies have higher customer satisfaction ratings.

Adding anti-theft features may also unlock 35% discounts with some Chevy insurance companies, and Progressive’s 31% defensive driving discount can help Camaro owners trim nearly $80 off full coverage. But remember to look beyond just discounts and rates. Look for these qualities to find the best Chevrolet auto insurance for you:

• Multiple Coverage Options: If you drive a Chevrolet Corvette or Camaro, look for insurers that specialize in sports or performance car coverage. These policies may include agreed-value policies and higher limits.
• Reliable OEM Repair Network: Look for providers that allow you to choose your own repair shop or offer specialized repair networks for OEM or custom Chevy parts.
• Claims Service and Customer Reviews: Chevy drivers should only work with providers who offer 24/7 claims service with high BBB and J.D. Power consumer satisfaction ratings.

If you’re comparing the insurance cost for the Chevy Silverado 1500, expect full coverage rates to vary depending on the model year and safety features. To find your best rate, enter your ZIP code and get multiple auto insurance quotes from top providers in minutes.