Chevrolet Captiva Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• Insuring a Chevrolet Captiva costs about the same as insuring the average SUV.

• Liability auto insurance for a Captiva comes in at about $76 a month, while full coverage normally runs around $148 monthly.

• The lowest insurance company for a Captiva is Hugo, who offers liability only coverage for sometimes as little as $26 a month, on average.

Captiva Overview

The Chevrolet Captiva is a great budget-friendly car for drivers of all types, with a base price of just $24,370 for 2015 models. With three different trim levels currently available, there's something there for every driver.

We sifted through thousands of car insurance quotes on Compare.com, and we've found that Chevrolet Captiva insurance premiums run about $142 monthly, on average. How do car insurance rates for the Captiva compare to premiums of other similar SUVs?

How Much is Car Insurance for a Chevrolet Captiva?

If you look at the table above, you'll see that Chevrolet Captiva insurance rates are lower than average. Captiva owners typically pay around $76 per month for liability insurance, and about $148 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Comparing it to other Chevrolet models, the Captiva is more affordable, with prices more than 10% lower than the rest of the automaker's vehicle lineup. Compared to SUV offerings from other brands, auto insurance for a Captiva is also more affordable, with liability only insurance premiums coming in around 6% less and 3% less for full coverage.

They're also more affordable to insure than the average vehicle overall, regardless of model, make, or body style.

Who has the Cheapest Car Insurance for a Chevrolet Captiva?

If you're browsing for a new auto insurance policy for your Chevrolet Captiva, you most likely want to know which carrier offers the most affordable premiums. Even though rates can fluctuate quite significantly depending on your driver profile, Horace Mann has the most affordable average rates for liability only coverage, with rates as cheap as just $23 per month. The next cheapest company is Hugo, who offers car insurance sometimes as cheap as $26 a month.

The third, fourth, and fifth carriers on the list are MetroMile, Fiesta, and Shelter Mutual. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance carriers use a range of variables and complex formulas to calculate premiums. By getting quotes from a bunch of insurance companies at once, you can guarantee you're finding the most affordable rate.

What Factors Affect Car Insurance Rates for a Chevrolet Captiva?

As we mentioned above, there are multiple factors that auto insurance carriers consider to decide how much they charge -- and each carrier weighs different pieces more heavily than others, so there's not just one company that's the cheapest for every driver.

Keep reading to learn which things car insurance companies look at and how they affect your final rate:

Vehicle Age

The Chevrolet Captiva has been around for a while, so vehicle age will likely make a big difference in what you end up paying for auto insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Captivas continue to depreciate, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the Captiva. However, as you can see in the table above, the cheapest Chevrolet Captivas to insure are those that are 2 to 3 years old, while the most expensive models are Captivas that are 6 to 7 years old, on average.

Your Age

Your age is another factor that plays a significant role in how much insurance carriers will charge for car insurance. As you can see in the table above, younger drivers have more expensive prices than those who have more experience. In this case, drivers 18 to 24 pay $15 more than those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group for Captiva drivers being 55-64.

Your Gender

You may not know, but insurance is generally cheaper for women than it is for men. This is because women are less likely to get speeding tickets and get into collisions, which decreases the chances of an insurance claim. For Captiva drivers, that difference is around $2 per month, with women paying an average of $77 and men looking at about $75.

Where You Live

You were probably already aware that factors like how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live can be just as important? Since car insurance is regulated at the state level, prices differ quite a bit depending on which state you're located in.

For example, the average Chevrolet Captiva driver in New York pays around $162 monthly for liability coverage, while on average, the same owner in California will pay less than half of that price. The chart above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change between states.

Chevrolet Captiva Car Insurance Discounts

Regardless of what state you live in, how old you are, or what vehicle you drive, it's always in your best interest to take advantage of as many insurance discounts as possible.

While no two auto insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Pay-in-full discounts for drivers who agree to pay their entire policy premium up front, rather than in monthly installments
• Multi-policy discounts for getting both your home and auto policies from the same insurance carrier
• Multi-vehicle discounts for having several cars on your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution

There are lots of other discounts out there for saving money on your insurance. Often, the best way to get great rates is to work on your overall insurance profile.

While you may not be able to control every variable car insurance carriers take into account to calculate rates (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the variables you can use in your favor when it comes to saving some cash:

Your Driving Record

It's no secret that auto insurance companies offer the lowest prices to drivers with a history of responsible driving. It follows that your car insurance rates will get higher if you get into a collision or get tickets. But how much will they cost you?

As you can tell from the table above, accidents will usually cost Captiva drivers more than tickets, but both will result in higher than average rates. Chevrolet Captiva drivers with a single accident on their record pay an average of $115 per month (up $39 from the $76/mo. overall average), while drivers with one ticket will pay about $79 a month. Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

The amount of miles you drive annually plays a role in your auto insurance prices. Those who are on the roads less often are more likely to go accident-free, so they'll usually end up paying less for insurance. In the above table, you can see that Chevrolet Captiva owners who drive between 5,000 and 7,500 miles a year pay about $62 per month for car insurance, while those who put less than 2,500 miles on their cars pay $97.

If you're one of those drivers who don't put very many miles on your Chevrolet Captiva each year, it may be worth considering pay-per-mile or usage-based auto insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Chevrolet Captivas Compare to Other Vehicles?

If you're thinking about buying a Chevrolet Captiva, you're probably wondering how it compares to other vehicles. Auto insurance is just one cost that comes with buying a new car, but it's definitely one that's worth thinking about carefully.

Check out the table below to see how the Chevrolet Captiva stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Chevrolet Captiva is a great value for any budget. While the national average vehicle MSRP is $40,100, the Captiva has a base price of just $24,370. And since it's been a few years since a new Captiva model has been on the market, used prices are going to be even more affordable.

Similarly, insurance premiums are slightly cheaper when compared to the rest of the vehicle market. Liability insurance for a Chevrolet Captiva is about $22 per month less than average, while full coverage is $8 less a month.

When it comes to usage, Chevrolet Captiva drivers are far from the national average in annual miles driven, with 13,761 miles each year compared to 11,660 for all vehicles.

Chevrolet Captiva Car Insurance Costs by Model Year

So far, you've seen how different things have an impact on how much the average driver pays for car insurance. But if you're considering purchasing a new Captiva, knowing what you can expect to pay can be extremely valuable as you weigh your choices.

For this reason, we've broken down Chevrolet Captiva insurance prices by model year. Choose a model year from the dropdown below to see average rates for both full coverage and liability only options, as well as some other helpful info, such as available trims, the cheapest insurance company, and base price for each year the Captiva has been around.

2015 Chevrolet Captiva Car Insurance

2015 Chevrolet Captiva drivers can expect to pay an average of $59 monthly for liability or $161 for full coverage.

With premiums as low as $20 per month, AnswerFinancial offered the cheapest policy we found.

Want to find the most affordable rates? Enter your ZIP code below to get a variety of free personalized quotes.

2014 Chevrolet Captiva Car Insurance

On average, drivers who own a 2014 Captiva can expect to pay $78 to $141 monthly for liability only and full coverage auto insurance, respectively.

With rates as little as $21 a month, Dairyland offered the lowest policy we found for the 2014 Chevrolet Captiva.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2013 Chevrolet Captiva Car Insurance

You can expect full coverage for a 2013 Chevrolet Captiva to run around $147 per month, while liability only coverage will average about $81 monthly.

We found Elephant offered the cheapest policy, with rates as little as just $18 a month.

If you want to know exactly how much you can expect to pay for your Captiva, get free quotes in minutes by just entering your ZIP code below.

2012 Chevrolet Captiva Car Insurance

It costs around $74 monthly for liability or $134 for a full coverage policy for the 2012 Captiva.

Clearcover offered the lowest policy we found, with rates as cheap as $20 per month.

Want to find the best rates? Enter your ZIP code below to get multiple personalized quotes for free.

Chevrolet Captiva Insurance FAQs

Is a Chevrolet Captiva expensive to insure?

When compared to the national average of all vehicles, the cost of car insurance is about on par with the cost of insuring the average vehicle. Liability insurance runs an average of $76 a month, while full coverage will cost you around $148.

How can I get the best price on car insurance for my Chevrolet Captiva?

There's only one way to make sure you're getting the most affordable rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from many carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Chevrolet Captiva affect my insurance prices?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's just a myth. Although there are lots of factors auto insurance companies examine when they decide how much your policy will be, the color of your Captiva is not factored into that equation.

Do I need to have insurance before I buy a Chevrolet Captiva?

You'll need to have an insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. Some dealerships may offer you a car insurance policy as part of the car-buying process, but the easiest thing to do is to let your insurance carrier know beforehand.

What car insurance discounts can I get for my Chevrolet Captiva?

There are a ton of discounts out there when it comes to auto insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the Chevrolet Captiva you drive, but if your Captiva has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The best way to find out is to reach out to your insurance company and ask about their list of discounts, since they vary quite a bit from carrier to carrier.