Carrier vs. Carrier Comparisons
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The best car insurance companies for Chevrolets are State Farm, Geico, and Mercury, with affordable rates as lows as $85/month.
Their competitive pricing, coupled with strong customer service and comprehensive coverage options, makes them leading choices for Chevrolet owners looking for affordable and reliable insurance.
| Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | 20% | B | Agency Network | State Farm |
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#2 | 25% | A++ | Affordable Rates | Geico |
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#3 | 15% | A | Many Discounts | Mercury |
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#4 | 12% | A+ | UBI Discount | Progressive |
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#5 | 25% | A+ | Add-on Coverages | Allstate |
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#6 | 20% | A | Group Discounts | Farmers |
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#7 | 20% | A+ | Simple Claims | Nationwide |
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#8 | 25% | A | Diminishing Deductible | Safeco |
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#9 | 25% | A+ | Exclusive Benefits | The Hartford |
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#10 | 18% | A+ | Foreign Diplomats | Dairyland |
Each of these companies excels in delivering quality coverage tailored to Chevrolets, ensuring you get the best protection and savings.
Protect your Chevy from whatever the road throws at it by entering your ZIP code into our free comparison tool above and getting affordable car insurance quotes.
What You Should Know
- State Farm is the top pick for Chevy auto insurance for $85/month
- Mercury offers the most discounts on Chevrolet insurance rates
- Dairyland has the best Chevrolet car insurance for high-risk drivers
#1 – State Farm: Top Pick Overall
Pros
- Extensive Agency Network: State Farm's vast agency network offers Chevrolet owners convenient, personalized insurance support. Learn more in our State Farm review.
- Great Customer Service: Chevrolet drivers benefit from local agents who understand the specific insurance requirements related to Chevrolets.
- Cheap Rates: State Farm Chevy car insurance rates are the cheapest on our list at $90/month.
Cons
- Limited Online Services: Chevrolet owners who prefer managing their insurance online might find State Farm's extensive agency network less appealing.
- Potentially Higher Costs: State Farm’s personalized service might be costly for Chevrolet owners looking for budget-friendly options.
#2 – Geico: Best for Affordable Rates
Pros
- Discounts: Chevrolet drivers can take advantage of Geico's various discounts, further reducing their insurance costs.
- Budget-Friendly: With Geico's affordable rates, Chevrolet owners can get comprehensive insurance coverage without breaking the bank.
- Variety of Coverage: Drivers who need unique Chevrolet car insurance can get rideshare and usage-based insurance at Geico.
Cons
- Poor Customer Service: Chevrolet owners who prefer face-to-face interactions may find Geico's online-focused services less satisfying.
- No Gap Insurance: Drivers with new Chevys can't buy gap insurance from Geico to cover a total loss.
#3 – Mercury: Best for Many Discounts
Pros
- Variety of Discounts: Mercury offers numerous discounts that can significantly lower Chevy insurance costs.
- Safe Driver Savings: MercuryGO usage-based insurance saves drivers betwen 40%-50% on Chevrolet coverage.
- Unique Discounts: Chevrolet owners with multiple vehicles can save even more by insuring all their cars with Mercury. Read our Mercury review for a full list.
Cons
- Regional Availability: Mercury’s discounts and services might not be available in all areas, limiting options for some Chevrolet owners.
- Eligibility Requirements: Chevrolet owners may need to meet specific criteria to qualify for Mercury’s discounts, which might exclude some drivers.
#4 – Progressive: Best for UBI Discount
Pros
- Usage-Based Insurance: Progressive Snapshot offers Chevrolet owners discounts based on their actual driving habits, promoting safer driving.
- Safe Driver Discounts: Chevrolet drivers who practice safe driving can enjoy significant savings through discounts. Find out more in our Progressive review.
- Personalized Rates: Chevy drivers can use the tools on the Progressive website to pick policy coverage based on budget.
Cons
- Rate Increases: Progressive Snapshot can raise Chevrolet insurance rates for bad driving.
- Variable Discounts: UBI discounts aren't available in all states, making it hard for some drivers to save money on Chevy insurance.
#5 – Allstate: Best for Add-on Coverages
Pros
- Customizable Policies: Allstate offers a range of add-on coverages, allowing Chevrolet owners to tailor their insurance to their specific needs.
- Specialized Coverage: Allstate offers roadside assistance and rental reimbursement, ideal for Chevrolet owners. Read more in our Allstate review.
- Great Claims Service: Allstate is in the top ten for claims satisfaction in J.D. Power surveys, giving peace of mind to Chevy drivers after an accident.
Cons
- Higher Premiums: The additional coverages might increase Chevrolet insurance costs.
- Expensive High-Risk Insurance: Allstate does charge higher rates for some Chevrolet models than other companies.
#6 – Farmers: Best for Group Discounts
Pros
- Long List of Discounts: Farmers offers more auto insurance discounts for Chevrolet owners than any other company.
- Membership Benefits: Chevrolet owners who are first repsonders can take advantage of exclusive savings and benefits. Read more in our review of Farmers.
- Usage-Based Savings: Chevrolet drivers who sign up for Farmers Signal UBI can save up to 30%.
Cons
- Eligibility: Not all Chevrolet owners may qualify for group discounts, limiting access to these savings.
- Expensive Rates: Farmers is more expensive than other companies for Chevrolet car insurance.
#7 – Nationwide: Best for Simple Claims
Pros
- Streamlined Process: Nationwide offers an easy and efficient claims process for Chevrolet owners. Read our Nationwide review to learn what else is offered.
- User-Friendly Website: Nationwide's straightforward claims process is user-friendly, providing a hassle-free experience for Chevrolet owners.
- Low-Mileage Savings: Chevrolet owners who don't drive often can benefit from Nationwide SmartMiles, which tracks monthly mileage to set rates.
Cons
- Online Focus: The emphasis on an easy online claims process may not suit all Chevrolet drivers, particularly those who prefer in-person interactions.
- Low Customer Satisfaction: Despite streamlined claims, Chevrolet drivers may have poor experiences with usage-based insurance and cusomer service.
#8 – Safeco: Best for Diminishing Deductible
Pros
- Lower Deductibles Over Time: Safeco diminishing deductible rewards Chevrolet owners for each year they drive without a claim. Learn more in our Safeco review.
- Cost Savings: Chevrolet insurance rates are cheaper with Safeco than other providers.
- Encourages Safe Driving: Safeco auto insurance discounts for Chevrolets include safe driver savings up to 40%.
Cons
- Initial Deductible: Chevrolet owners still need to start with a standard deductible, which might be high initially.
- Limited Impact: The diminishing deductible benefits accumulate slowly, which might not provide immediate savings for Chevrolet drivers.
#9 – The Hartford: Best for Exclusive Benefits
Pros
- Unique Offerings: The Hartford provides exclusive benefits tailored to Chevrolet owners, such as new car replacement coverage.
- Senior-Friendly: Chevrolet drivers who are AARP members can enjoy special benefits and discounts from The Hartford. Find out more in our The Hartford review.
- Comprehensive Packages: The Hartford’s exclusive benefits include features like lifetime renewability, valuable for long-term Chevrolet owners.
Cons
- Higher Costs: The exclusive benefits might come with higher premiums, which could be a downside for Chevrolet owners seeking cheaper options.
- AARP Requirement: Some benefits are only available to AARP members, limiting access for younger Chevrolet drivers.
#10 – Dairyland: Best for International Drivers
Pros
- International Experience: Dairyland offers insurance options specifically designed for foreign diplomats driving Chevrolets in the U.S. Learn more about Dairyland review.
- Flexible Policies: Chevrolet owners can benefit from Dairyland’s flexible and customizable insurance policies.
- High-Risk Coverage: Drivers with accidents or DUIs can find affordable Chevrolet car insurance with Dairyland.
Cons
- Niche Market: The specialized coverage may not be relevant for all Chevrolet owners, limiting its appeal.
- Higher Premiums: The tailored policies might come at a higher cost, which could be a drawback for budget-conscious Chevrolet owners.
Compare Chevrolets Car Insurance Rates
When choosing the best Chevrolet car insurance, understanding the cost of both minimum and full coverage can help you make an informed decision.
This table provides a comparison of monthly insurance rates offered by various companies. It details the costs associated with both minimum coverage and full coverage plans. Each entry lists the monthly premium for a given insurance company, allowing for a straightforward comparison of the insurance options available.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $100 | $170 |
| Dairyland | $110 | $180 |
| Farmers | $92 | $158 |
| Geico | $85 | $145 |
| Mercury | $95 | $160 |
| Nationwide | $88 | $155 |
| Progressive | $95 | $160 |
| Safeco | $90 | $150 |
| State Farm | $90 | $150 |
| The Hartford | $97 | $165 |
Allstate offers minimum coverage at $100 and full coverage at $170, while Dairyland's rates are $110 and $180. Farmers provides minimum coverage for $92 and full coverage for $158. Geico has the lowest minimum coverage at $85 and full coverage at $145.
Mercury and Progressive both charge $95 for minimum and $160 for full coverage. Safeco and State Farm both set their minimum and full coverage rates at $90 and $150. The Hartford’s rates are $97 for minimum and $165 for full coverage. This summary helps you see the variations in insurance costs to find the best fit for your needs.
Learn More: Top 10 Car Insurance Companies for High-Risk Drivers
Top Strategies for Cheap Chevrolet Car Insurance
Finding affordable car insurance for your Chevrolet doesn't have to be a daunting task. By employing a few strategic approaches, you can secure a Chevrolet insurance policy that offers excellent coverage without breaking the bank:
- Bundle Insurance Policies: Combine your auto insurance with homeowners or renters insurance to take advantage of substantial discounts.
- Adjust Coverage Levels and Deductibles: Assess your coverage needs, consider raising your deductible to lower your premium, and ensure you have sufficient coverage without paying for unnecessary extras.
- Maintain a Good Credit Score: Regularly check and improve your credit score by paying bills on time, reducing outstanding debt, and avoiding opening multiple new credit accounts.
Comparing multiple options can also save you a significant amount of money. Use online comparison tools to gather quotes from various insurance companies, look for insurers that offer specific discounts for Chevrolets, and don’t settle for the first quote.
Implementing these strategies will not only save you money but also provide peace of mind knowing you have the right Chevy coverage in place.
Read More: Top Ways Customers Have Saved Money on Car Insurance Rates
Chevrolet Car Insurance Discounts
Looking for more ways to save on car insurance for your Chevrolet? Shopping for discounts is at the top of our list of 32 genius ways to save money on car insurance.
When shopping for auto insurance, ask about discounts like good driver, multi-car, low mileage, and safety feature discounts.
Additionally, consider joining usage-based insurance programs that reward safe driving habits with lower rates. These steps can help you reduce your insurance costs while encouraging safer driving.
Finding the Best Car Insurance Companies for Chevrolets
Find the best car insurance for Chevrolets with top providers like State Farm, Geico, and Mercury. Enjoy competitive rates, extensive coverage, and valuable discounts.
When insuring your Chevrolet, know your coverage options. The variety of coverage options, including liability, collision, comprehensive, and additional add-ons like rental car reimbursement or roadside assistance impact rates.
Pick the right Chevrolet insurance company by comparin the insurer’s overall reputation, including customer reviews, financial stability, and industry ratings, which reflect the company’s reliability and trustworthiness in providing insurance coverage.
Save money by comparing quotes, bundling policies, and leveraging discounts. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
Frequently Asked Questions
What factors affect the cost of car insurance for a Chevrolet?
The cost of car insurance for a Chevrolet can be influenced by several factors including the model and year of the vehicle, your driving history, location, age, credit score, and the type of coverage you choose.
How can I find the best car insurance rates for my Chevrolet?
To find the best car insurance rates, compare quotes from multiple providers, consider bundling policies, leverage available discounts, and maintain a good driving record. Enter your ZIP code to see how much you could save.
Are there specific discounts available for insuring a Chevrolet?
Yes, many insurers offer discounts for Chevrolet owners, such as safe driver discounts, multi-car discounts, good student discounts, anti-theft device discounts, and more.
Is it more expensive to insure a new Chevrolet compared to an older model?
Generally, newer Chevrolets might be more expensive to insure due to higher replacement costs and the value of the vehicle. However, newer models may also come with advanced safety features that could qualify for discounts.
What is the difference between minimum and full coverage for my Chevrolet?
Minimum coverage typically includes only the state-required liability insurance, which covers damages to others in an accident you cause. Full coverage includes additional protections like collision, comprehensive, uninsured/underinsured motorist, and sometimes personal injury protection (Learn More: What is comprehensive coverage?)
How does my location affect my Chevrolet insurance premium?
Your location can significantly impact your insurance premium. Areas with higher traffic, crime rates, or accident frequencies usually have higher insurance rates. Rural areas often have lower premiums than urban areas.
Can I switch insurance providers if I find a better rate for my Chevrolet?
Yes, you can switch car insurance companies at any time. It’s best to compare quotes before your current policy expires to avoid any lapse in coverage. Check if there are any cancellation fees with your current provider.
How often should I compare car insurance quotes for my Chevrolet?
It’s a good idea to compare car insurance quotes annually or whenever there is a significant change in your driving circumstances, such as moving to a new location, buying a new car, or experiencing a change in your credit score.
What types of coverage should I consider for my Chevrolet?
Consider liability, collision, comprehensive, personal injury protection, uninsured/underinsured motorist, and gap insurance for comprehensive protection. Evaluate your needs and budget to decide on the appropriate coverage (Read More: What is Gap insurance, and do I need it?)
Can I get a lower premium if I drive my Chevrolet less frequently?
Yes, some insurers offer low-mileage discounts for drivers who use their vehicles less frequently. Usage-based insurance (UBI) programs can also provide savings based on the actual miles you drive.