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

Looking at average rates, Chevrolet Cavalier owners typically pay around $87 monthly for car insurance. Learn about how much insurance carriers might charge to insure your Chevrolet Cavalier with our new guide.

Quick Facts

  • A Chevrolet Cavalier is cheaper to insure than the average car.

  • Full coverage for a Cavalier normally tends to be about $132 per month, while liability only auto insurance prices run around $72.

  • At sometimes as low as $35 a month for liability only coverage, Ohio Mutual is the cheapest insurance carrier for a Cavalier.

Cavalier Overview

The Chevrolet Cavalier is a great budget-friendly option for any driver, with base prices starting at just $10,325 for 2005 models. Not only is it on the affordable end of the spectrum when it comes to overall price point, it's also a wise option for your budget when thinking about your auto insurance rates.

Based on thousands of car insurance quotes from Compare.com, we've found that average Chevrolet Cavalier insurance premiums run about $87 monthly. But how does that stack up to other similar vehicles out there on the market?

Current Base Price$10,325
Body Style(s)Car
Trim LevelsLS SPORT, LS, CAVALIER
Average Insurance Premium$87/mo.
Cheapest Insurance CompanyOhio Mutual

How Much is Car Insurance for a Chevrolet Cavalier?

Vehicle Liability Only Full Coverage
Chevrolet Cavalier$72$132
All Chevrolet Models$78$165
All Cars$83$177
Average Insurance Premium$81$169

You'll see in the table above that car insurance rates for a Chevrolet Cavalier are lower than average. On average, Cavalier drivers can expect to pay around $132 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $72 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Comparing it to other models, the Cavalier is less expensive, with premiums more than 10% lower than Chevrolet's other vehicle offerings. Likewise, coverage for the Cavalier is more affordable when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive prices than other cars.

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

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Who has the Cheapest Car Insurance for a Chevrolet Cavalier?

Insurance Company Average Monthly Premium
Hugo$24
MainStreet$29
ACG$32
Aspire$34
Ohio Mutual$35

Shopping around for an auto insurance policy for your Chevrolet Cavalier? You most likely want to know which company offers the cheapest rates. Even though there will never be one carrier that has the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $24 a month from Hugo. The next lowest company is MainStreet, who offers auto insurance as low as $29 per month.

ACG, Aspire, and Ohio Mutual round out the rest of the top 5 list. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance carriers take many different factors into consideration when offering you rates. The only way to guarantee you find the cheapest rates is to compare quotes from quite a few insurance companies.

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What Factors Affect Car Insurance Rates for a Chevrolet Cavalier?

There are multiple variables that auto insurance carriers examine to determine how much to charge you for car insurance -- and every carrier weighs different variables more heavily than others, so there's not a singular company that's the most affordable for each driver.

The following sections show a bunch of things auto insurance companies use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 YearNo Recent Models
2-3 YearsNo Recent Models
4-5 YearsNo Recent Models
6-7 YearsNo Recent Models
8-10 Years$63
11-14 Years$75
15 Years or Older$72

The Chevrolet Cavalier has been around for a while, so vehicle age will likely play a role in what you end up paying for car insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Cavaliers continue to depreciate, insurance costs will gradually go lower.

A new Chevrolet Cavalier model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the most expensive Chevrolet Cavaliers to insure are those that are 11 to 14 years old, while the cheapest models are Cavaliers that are 8 to 10 years old, on average.

Your Age

Age Average Monthly Premium
Under 18$143
18-24$111
25-34$67
35-44$63
45-54$60
55-64$52
65 or Older$59

Age makes a significant difference in how much insurance carriers will charge you. As you can see above, drivers who have more experience on the road pay less compared to teenage Cavalier drivers. Chevrolet Cavalier drivers under 18 actually pay more than twice as much as those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group for Cavalier drivers being 55-64.

Your Gender

Gender Average Monthly Premium
Male$75
Female$71

Because women are less likely to get tickets and get into accidents, they have a decreased chance of filing a claim with insurance. When it comes to Cavalier drivers specifically, women pay about $71 monthly for car insurance and men pay around $75.

Where You Live

State Average Monthly Premium
California$50
Florida$116
Georgia$94
Illinois$51
New York$125
North Carolina$59
Ohio$60
Pennsylvania$65
Texas$61
Virginia$52

You might think it's common sense that variables such as how old you are and what vehicle you drive play a role in your insurance premiums, but you may not realize that where you live is equally important. Because auto insurance is regulated at the state level, prices can differ quite a bit depending on what state you reside in.

For example, the average Chevrolet Cavalier owner from New York pays about $125 a month for liability coverage. Meanwhile, the same driver in California will pay less than 50% of that price, on average. The chart above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.

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Chevrolet Cavalier Car Insurance Discounts

Regardless of what state you live in, how old you are, or which car you drive, using as many discounts as possible when it comes to your car insurance policy is always the smart move.

Even though all auto insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

  • Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
  • Multi-car discounts for adding more than one vehicle to your auto policy
  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
  • Multi-policy discounts for using the same insurance carrier for both your home and car insurance

These discounts are great, but sometimes the best way to save is just by having a profile that looks good to insurance carriers.

While you can't control every single aspect of your car insurance profile (like some of the factors we mentioned above), you can influence some of it. Below are just a few of the things you can use to your advantage when it comes to saving cash:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$100
Multiple Accidents$115
1 Ticket$85
Multiple Tickets$98

You've no doubt observed ads from insurance companies posting big discounts for safe drivers. And you probably wouldn't be surprised that if you get tickets or get into an accident, auto insurance rates will go up. But exactly how much is it going to cost you for these infractions?

As you can see, accidents will usually cost Cavalier drivers more than tickets, but both will result in higher than normal rates. Chevrolet Cavalier drivers with one ticket will pay an average of $85 per month, while drivers with a single accident on their record pay about $100 every month (up $28 from the $72/mo. overall average). The rates only go higher the more collisions you have or tickets you get.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$68
2,501-5,000 Miles$66
5,001-7,500 Miles$67
7,501-10,000 Miles$74
10,000+ Miles$76

The total amount of miles you drive each year plays a big role when it comes to your insurance prices. Those who drive less often are more likely to go accident-free, so they'll usually get less expensive premiums. Above, you can see that Chevrolet Cavalier owners who drive fewer than 2,500 miles a year pay an average of $68 monthly for car insurance, while those who put 10,000 miles or more on their cars pay $76.

If you don't use your Chevrolet Cavalier that often, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Chevrolet Cavaliers Compare to Other Vehicles?

If you're considering making a Chevrolet Cavalier your next vehicle, you might be wondering how it compares to other vehicles. Car insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth thinking about carefully.

Take a look at the table below to see how the Chevrolet Cavalier compares:

Chevrolet Cavalier National Average
Liability Insurance$76$81
Full Coverage Insurance$127$169
Base MSRP$10,325$30,630
Average Annual Mileage11,13711,660

As you can see, a Chevrolet Cavalier is a great value when it comes to overall price tag. While the national average vehicle price is $30,630, the Cavalier has an MSRP of just $10,325. And since there hasn't been a new Cavalier model on the market in the last few years, used prices will be even lower.

Likewise, insurance prices are lower when compared to other vehicles on the market. Full coverage insurance for a Chevrolet Cavalier is around $42 a month cheaper than average, while liability only coverage is $5 cheaper a month.

When it comes to usage, Chevrolet Cavalier drivers are near the national average in annual miles driven, with 11,137 miles each year compared to 11,660 for all vehicles.

Chevrolet Cavalier Car Insurance Costs by Model Year

We've gone over many of the factors that can affect a driver's car insurance rates. But if you're in the market for a new car, truck, or SUV and the Cavalier is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your options.

For this reason, we've broken down Chevrolet Cavalier auto insurance prices by model year. Simply find the model year you want in the dropdown to see average rates for both full coverage and liability only options. You'll also find some other helpful info, like cheapest insurance company, base price, and even available trims for each Cavalier model year.

2005 Chevrolet Cavalier Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$127
Base MSRP$10,325
Cheapest Insurance CompanyUSAA - $16/mo.
Available TrimsCAVALIER, LS, LS SPORT

It costs about $76 per month for liability or $127 for a full coverage policy for the 2005 Cavalier.

With premiums sometimes as cheap as $16 monthly, USAA offered the lowest policy we found for the 2005 Chevrolet Cavalier.

What will your car insurance premium be? Just enter your ZIP code below to get several personalized quotes for free.

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2004 Chevrolet Cavalier Car Insurance

   
Liability Only Avg. Premium$75
Full Coverage Avg. Premium$143
Base MSRP$14,175
Cheapest Insurance CompanyGood2Go - $0/mo.
Available TrimsBASE/CNG, CAVALIER, LS, LS SPORT

You can expect full coverage for a 2004 Chevrolet Cavalier to run around $143 a month, while liability only coverage will average about $75 monthly.

Good2Go has rates as little as just $20/mo a month for the 2004 Chevrolet Cavalier.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2003 Chevrolet Cavalier Car Insurance

   
Liability Only Avg. Premium$78
Full Coverage Avg. Premium$146
Base MSRP$14,030
Cheapest Insurance CompanyJupiter - $19/mo.
Available TrimsBASE/CNG, CAVALIER, LS, LS SPORT

2003 Cavalier drivers can expect to pay an average of $78 per month for liability or $146 for full coverage.

With prices sometimes as little as $19 monthly, Jupiter offered the cheapest policy we found.

While these are good estimates of what the average driver might pay to insure a 2003 Chevrolet Cavalier, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2002 Chevrolet Cavalier Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$127
Base MSRP$13,960
Cheapest Insurance CompanyKemper - $17/mo.
Available TrimsBASE/CNG, CAVALIER, LS, LS SPORT, Z24

On average, drivers who own a 2002 Chevrolet Cavalier can expect to pay $74 to $127 per month for liability only and full coverage insurance, respectively.

If you're looking for the cheapest possible 2002 Chevrolet Cavalier insurance policy, Kemper offered the most affordable policy we found, with rates as little as $17 a month.

Interested in what your auto insurance rate will be? Just enter your ZIP code below to get multiple free customized quotes.

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2001 Chevrolet Cavalier Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$144
Base MSRP$13,260
Cheapest Insurance CompanyElephant - $16/mo.
Available TrimsBASE/CNG, CAVALIER, LS, Z24

The average cost to insure a 2001 Cavalier with liability only coverage is $71 monthly, while full coverage runs around $144 a month.

Elephant offered the lowest policy we found, with rates as low as just $16 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2000 Chevrolet Cavalier Car Insurance

   
Liability Only Avg. Premium$69
Full Coverage Avg. Premium$121
Base MSRP$13,160
Cheapest Insurance CompanyMetroMile - $18/mo.
Available TrimsCAVALIER, LS, Z24

2000 Chevrolet Cavalier drivers can expect to pay an average of $69 a month for liability or $121 for full coverage.

Looking for the most affordable policy? MetroMile offered liability only coverage for as cheap as $18 per month.

If you want to find the best rates for car insurance for a 2000 Chevrolet Cavalier, enter your ZIP code below and compare several personalized quotes in just a few minutes.

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1999 Chevrolet Cavalier Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$107
Base MSRP$11,871
Cheapest Insurance CompanyACG - $15/mo.
Available TrimsBASE/RS, CAVALIER, LS, Z24

You can expect full coverage for a 1999 Cavalier to run about $107 monthly, while liability only coverage will average around $68 per month.

We found ACG offered the lowest policy, with rates as cheap as just $15 monthly.

Want something more accurate than national averages? Get a variety of free personalized quotes by just entering your ZIP code below.

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1998 Chevrolet Cavalier Car Insurance

   
Liability Only Avg. Premium$66
Full Coverage Avg. Premium$130
Base MSRP$11,610
Cheapest Insurance CompanyLiberty Mutual - $17/mo.
Available TrimsBASE/RS, CAVALIER, LS, Z24

On average, drivers who own a 1998 Chevrolet Cavalier can expect to pay $66 to $130 a month for liability only and full coverage insurance, respectively.

With premiums sometimes as cheap as $17 per month, Liberty Mutual offered the cheapest policy we found for the 1998 Chevrolet Cavalier.

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

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1997 Chevrolet Cavalier Car Insurance

   
Liability Only Avg. Premium$72
Full Coverage Avg. Premium$144
Base MSRP$10,980
Cheapest Insurance CompanyKemper - $17/mo.
Available TrimsBASE/RS, CAVALIER, LS, Z24

The average cost to insure a 1997 Cavalier with liability only coverage is $72 a month, while full coverage runs about $144 monthly.

Looking for the most affordable policy? Kemper offered liability only coverage for as cheap as just $17 per month.

If you want to find the best prices for auto insurance for a 1997 Chevrolet Cavalier, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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1996 Chevrolet Cavalier Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$98
Base MSRP$10,500
Cheapest Insurance CompanyMetroMile - $17/mo.
Available TrimsCAVALIER, LS, Z24

It costs around $68 monthly for liability or $98 for a full coverage policy for the 1996 Chevrolet Cavalier.

MetroMile has rates as little as $17 a month for the 1996 Chevrolet Cavalier.

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

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1995 Chevrolet Cavalier Car Insurance

   
Liability Only Avg. Premium$61
Full Coverage Avg. Premium$96
Base MSRP$10,060
Cheapest Insurance CompanyWorkmens - $21/mo.
Available TrimsCAVALIER, LS, Z24

On average, drivers who own a 1995 Cavalier can expect to pay $61 to $96 monthly for liability only and full coverage car insurance, respectively.

With premiums sometimes as little as $21 per month, Workmens offered the cheapest policy we found.

Want to find the best rates? Just enter your ZIP code below to get lots of customized quotes for free.

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1994 Chevrolet Cavalier Car Insurance

   
Liability Only Avg. Premium$59
Full Coverage Avg. Premium$80
Base MSRP$8,845
Cheapest Insurance CompanySafeco - $17/mo.
Available TrimsCAVALIER, RS, VL/RS, Z24

You can expect full coverage for a 1994 Chevrolet Cavalier to run about $80 a month, while liability only coverage will average around $59 monthly.

We found Safeco offered the lowest policy, with rates sometimes as low as $17 per month.

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

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1993 Chevrolet Cavalier Car Insurance

   
Liability Only Avg. Premium$55
Full Coverage Avg. Premium$105
Base MSRP$8,520
Cheapest Insurance CompanyElephant - $16/mo.
Available TrimsRS, VL/RS, Z24

1993 Cavalier drivers can expect to pay an average of $55 a month for liability or $105 for full coverage.

Elephant offered the most affordable policy we found, with rates as low as just $16 per month.

If you want to know exactly how much you can expect to pay for your Cavalier, just enter your ZIP code below and get several free quotes in minutes.

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Chevrolet Cavalier Insurance FAQs

Is a Chevrolet Cavalier expensive to insure?

Liability insurance runs an average of $72 monthly, while full coverage will cost you around $132. The Chevrolet Cavalier is less expensive to insure compared to the average vehicle.

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

The only way to be sure you're getting the lowest price on insurance is to check prices regularly and compare quotes from a lot of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from an array of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Chevrolet Cavalier affect my insurance rates?

You've probably heard the old adage that it costs more to insure a red car, but that's actually not true. While there are multiple variables auto insurance carriers think about when they offer you a premium, your Chevrolet Cavalier's color is not one of them.

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

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid insurance for it. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your auto insurance carrier know before you buy.

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

You will find a bunch of discounts out there for car insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your Cavalier and more on you, but if your Cavalier has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The best way to find out is to reach out to your insurance company and ask about which discounts they offer.

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