Best Chevy Cavalier Car Insurance in 2024 (Your Guide to the Top 10 Companies)
State Farm, Geico, and Progressive offer the best Chevy Cavalier car insurance, starting at just $62 a month. These providers excel with their competitive rates and comprehensive coverage options specifically tailored to meet the needs of Chevy Cavalier owners, ensuring optimal protection and value.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Aug 9, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The best Chevy Cavalier car insurance providers are State Farm, Geico, and Progressive, offering unmatched coverage and service.
These companies are distinguished for their tailored policies that cater specifically to the Chevy Cavalier, ensuring owners receive optimal value and protection. By prioritizing customer satisfaction and affordability, they stand out in a competitive market. Learn more in our article titled “Best Chevrolet Car Insurance.”
Our Top 10 Company Picks: Best Chevy Cavalier Car Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Comprehensive Coverage State Farm
#2 15% A++ Competitive Rates Geico
#3 10% A+ Innovative Programs Progressive
#4 10% A++ Military Family USAA
#5 12% A+ Drivewise Program Allstate
#6 12% A Extensive Discount Liberty Mutual
#7 20% A+ Customer Service Nationwide
#8 10% A+ Tailored Coverage Farmers
#9 8% A++ IntelliDrive Discounts Travelers
#10 15% A+ Dividend Policies Amica
Additionally, each company provides unique benefits that make them attractive options for Cavalier owners seeking reliable and comprehensive auto insurance.
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- State Farm leads as the top choice for Chevy Cavalier car insurance
- Chevy Cavalier owners benefit from tailored coverage options
- Policies focus on affordability and comprehensive protection
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#1 – State Farm: Top Overall Pick
Pros
- Bundling Policies: State Farm offers Chevy Cavalier owners significant discounts for bundling multiple insurance policies.
- High Low-Mileage Discount: Chevy Cavalier drivers benefit from substantial discounts for low-mileage usage.
- Wide Coverage: State Farm provides various coverage options tailored specifically for Chevy Cavalier needs. Wondering about their level of customer service? Find out in our guide titled “State Farm Car Insurance Review.”
Cons
- Limited Multi-Policy Discount: The multi-policy discount for Chevy Cavalier insurance with State Farm is lower compared to some competitors.
- Premium Costs: Despite discounts, State Farm’s premiums may still be higher for certain Chevy Cavalier coverage levels.
#2 – Geico: Best for Competitive Rates
Pros
- Competitive Pricing: Geico offers some of the most competitive rates for Chevy Cavalier car insurance. Learn more about Geico’s rates in our guide titled “Geico Car Insurance Review.”
- Excellent Financial Strength: With an A++ A.M. Best rating, Geico assures strong backing for Chevy Cavalier claims.
- Fast Claims Process: Chevy Cavalier owners enjoy a streamlined and efficient claims process with Geico.
Cons
- Coverage Limitations: Some Chevy Cavalier specific coverage options might be more limited compared to other insurers.
- Customer Service Variability: Customer service quality can vary significantly, impacting Chevy Cavalier owners’ experience.
#3 – Progressive: Best for Innovative Programs
Pros
- Customizable Policies: Progressive allows Chevy Cavalier owners to customize policies extensively.
- Loyalty Rewards: Chevy Cavalier drivers benefit from Progressive’s loyalty rewards program. Learn more about coverage options and monthly rates in our article titled “Progressive Car Insurance Review.”
- Online Tools: Innovative online tools enhance the insurance management experience for Chevy Cavalier owners.
Cons
- Higher Rates for High-Risk Drivers: Chevy Cavalier owners with poor driving records may face higher rates at Progressive.
- Complexity in Discounts: Some Chevy Cavalier owners might find it challenging to qualify for discounts due to the complex criteria.
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#4 – USAA: Best for Military Family
Pros
- Military Focus: USAA offers specialized car insurance for Chevy Cavalier owners who are military members, providing tailored benefits. Find out why USAA ranks among the cheapest providers in our article titled “USAA Car Insurance Review.”
- High Customer Satisfaction: USAA is renowned for exceptional customer service tailored to the unique needs of Chevy Cavalier owners in military families.
- Competitive Rates for Military: USAA provides competitive insurance rates for Chevy Cavaliers, especially for military personnel and their families.
Cons
- Eligibility Restrictions: Only Chevy Cavalier owners who are military members or their families can benefit from USAA’s services.
- Limited Physical Locations: USAA has fewer physical offices, which might affect Chevy Cavalier owners preferring face-to-face interactions.
#5 – Allstate: Best for Drivewise Program
Pros
- Drivewise Rewards: Allstate offers the Drivewise program that rewards Chevy Cavalier drivers for safe driving behaviors. Find more information about Allstate’s rates in our article titled “Allstate Car Insurance Review.”
- Variety of Discounts: Chevy Cavalier owners can access a wide range of discounts, enhancing affordability of their policies.
- Comprehensive Local Agents Network: Extensive network of agents provides personalized service to Chevy Cavalier owners.
Cons
- Higher Premiums: Despite discounts, Allstate’s premiums can be higher, especially for Chevy Cavalier owners without Drivewise savings.
- Variable Customer Reviews: Customer satisfaction can vary, potentially affecting Chevy Cavalier owners’ experience with claims and service.
#6 – Liberty Mutual: Best for Extensive Discount
Pros
- Wide Range of Discounts: Liberty Mutual offers a variety of discounts that can significantly lower Chevy Cavalier insurance costs. To see monthly premiums and honest rankings, read our guide titled “Liberty Mutual Car Insurance Review.”
- Customizable Coverage Options: Chevy Cavalier owners can tailor their coverage extensively to fit their specific needs and budget.
- Accident Forgiveness: Liberty Mutual offers accident forgiveness, preventing premium spikes for Chevy Cavalier owners after their first accident.
Cons
- Inconsistent Pricing: Pricing can vary greatly for Chevy Cavalier insurance based on geographic and personal factors.
- Customer Service Variability: Some Chevy Cavalier owners might experience variability in the quality of customer service.
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#7 – Nationwide: Best for Customer Service
Pros
- Dedicated Claims Service: Nationwide provides exceptional claims service, ensuring a smooth process for Chevy Cavalier owners. Explore more discount options in our guide titled “Nationwide Car Insurance Discounts.”
- Focus on Customer Interaction: Nationwide emphasizes strong customer relationships, beneficial for Chevy Cavalier insurance holders.
- Flexible Policies: Nationwide offers flexible policy options, making it easier for Chevy Cavalier owners to find coverage that suits their needs.
Cons
- Higher Rates for Some Policies: Depending on the specifics, some Chevy Cavalier policies can be more expensive with Nationwide.
- Policy Upselling: Chevy Cavalier owners might experience attempts to upsell more comprehensive coverage than needed.
#8 – Farmers: Best for Tailored Coverage
Pros
- Customized Policies: Farmers offers highly customizable insurance policies that cater specifically to the needs of Chevy Cavalier owners. Take a look at our article titled “Farmers Car Insurance Review.”
- Dedicated Agents: Farmers provides personalized service through a network of dedicated agents who understand the specifics of insuring a Chevy Cavalier.
- Potential for Discounts: Chevy Cavalier owners can benefit from various discounts that Farmers offers, which can substantially lower their premiums.
Cons
- Higher Base Rates: Base premiums for Chevy Cavalier insurance might be higher at Farmers compared to other insurers.
- Complex Discount Qualification: Chevy Cavalier owners may find the criteria to qualify for discounts complex and restrictive.
#9 – Travelers: Best for IntelliDrive Discount
Pros
- Telematics-Based Savings: Travelers’ IntelliDrive program tracks driving behavior and offers potential discounts for safe driving, benefiting Chevy Cavalier owners.
- Broad Coverage Options: Chevy Cavalier owners can choose from a wide range of coverage options, ensuring a comprehensive insurance plan.
- Robust Financial Standing: With an A++ A.M. Best rating, Travelers provides strong financial reliability for Chevy Cavalier insurance claims. Read more about Travelers’ ratings in our article titled “Travelers Car Insurance Review.”
Cons
- Telematics Program Concerns: The reliance on telematics for discounts may concern Chevy Cavalier owners who value privacy.
- Premium Fluctuations: Premiums may fluctuate based on the IntelliDrive scores, which could increase rates for some Chevy Cavalier owners based on driving habits.
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#10 – Amica: Best for Dividend Policies
Pros
- Dividend Policies: Amica offers dividend policies that can return up to 20% of the premium, providing excellent value for Chevy Cavalier insurance. See average monthly rates in our guide titled “How do you get an Amica Mutual car insurance quote online?“
- High Customer Satisfaction: Amica is known for its high customer satisfaction rates, particularly beneficial for Chevy Cavalier owners looking for reliable service.
- Competitive Pricing: Competitive rates combined with the potential for dividends make Amica a cost-effective option for Chevy Cavalier car insurance.
Cons
- Limited Availability: Amica’s dividend policies and services might not be available in all states, affecting some Chevy Cavalier owners.
- Stricter Underwriting: Amica’s underwriting process can be stricter, potentially leading to higher premiums for Chevy Cavalier owners with less-than-perfect driving records.
Comparative Monthly Insurance Rates for Chevy Cavalier
When selecting car insurance for a Chevy Cavalier, understanding the monthly rates for both minimum and full coverage by different providers is crucial. The table below offers a comprehensive look at how various insurance companies price their policies for Chevy Cavalier owners.
Chevy Cavalier Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $73 $155
Amica $67 $145
Farmers $74 $155
Geico $68 $145
Liberty Mutual $75 $160
Nationwide $70 $150
Progressive $70 $150
State Farm $72 $155
Travelers $71 $148
USAA $62 $140
The monthly rates for minimum coverage start as low as $62 with USAA, known for its focus on military families, and can go up to $75 with Liberty Mutual. For full coverage, which offers a more comprehensive protection, premiums range from $140 with USAA to $160 with Liberty Mutual. See more details on our article titled “What is a Car Insurance Premium?”
Notably, companies like Geico and Amica offer competitive rates for both coverage levels at $68 and $67 for minimum coverage and $145 for full respectively. This detailed breakdown helps Chevy Cavalier owners in assessing which insurance provider offers the best value for their specific needs in terms of coverage and cost.
What Kinds of Cavaliers Are Available
The Cavalier was originally produced as a two-door coupe, a four-door sedan, and a four-door hatchback station wagon, with a convertible coming soon afterward. Most of the Cavaliers on the road today were made after the major redesign of 1995.
In the last generation of Cavaliers, you could choose a sporty coupe, a four-door sedan, or the two-door convertible.
The two-door coupe was extremely popular with the younger drivers, as it had the sports car look without the high price tag. The sports coupe has a 2.2L, four-cylinder engine combined with a five-speed manual transmission. Check out insurance savings in our complete guide titled “Compare Young Driver Car Insurance Rates.”
The car had plenty of power for a small car at 140 horsepower but got an average of 21-25 mpg in the city and 31-36 mpg on the highway, which combined with the low-slung sporty styling made it a popular seller.
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Why Did Chevy Quit Making the Cavalier
Even though it was a popular seller, the Cavalier was never very well received by critics. The Cavaliers were fairly simple cars that didn’t keep up with advances in car design.
In an age of power everything, even the most recent coupes did not come standard with power locks or power windows unless you bought the LS version.
State Farm stands out for its tailored Chevy Cavalier insurance policies, aligning coverage needs with cost-effective solutions.
Daniel Walker Licensed Insurance Agent
Many people also complained about the sub-par quality of the materials used on the interior of the cars. The seats, in particular, were rated as uncomfortable by many people. Visibility was poor from the back seat.
The biggest concern was safety. The Insurance Institute for Highway Safety rated all Chevy Cavaliers as Poor performers in the frontal offset crash ratings. The government’s testing institute, the NHSTA, issued a safety concern for the Cavalier in 2005 due to side-impact tests.
In spite of the safety concerns and the complaints about the quality of the interior, the Cavalier still sold well up until 2005 when Chevy replaced it with the Cobalt.
Since then, Cavaliers have continued to sell well in the used car market.
The low cost of the cars plus the fairly good gas mileage is the reason for the success in sales. When parents are looking for a starter car for their teenager or college kid, they are usually looking for something inexpensive to buy and maintain. Discover more about offerings in our guide titled “Compare Teen Driver Car Insurance Rates.”
Additionally, people just needing a basic car to go from place to place without paying for a lot of extras will often look at a Cavalier.
How Can I Lower My Insurance Even More
The lower price of a Cavalier also makes it fairly inexpensive to insure, as the replacement parts are cheap. As these used cars get older, the prices should go down even more as the total value of the car depreciates, which happened with Chevy Cavalier car insurance costs.
However, because the two-door coupes are considered sports cars, they will cost more in insurance than the four-door sedan, though the basics of the cars are very similar.
There are many things you can do to lower your insurance costs even more, even if you are a young driver. If you are a college student, have a high GPA, or are in the military, ask your agent if you qualify for a discount.
If you are single, and either of your parents was ever in the military, check into companies that cater to the military community. You might qualify just by being a dependent of a veteran.
The most important thing to do is to obey the law and try to keep your driving record clean. Tickets not only cost you money upfront; they will affect your car insurance premiums for the next three to five years.
Accidents can make your insurance go up, especially if you are at fault.
While you can’t control those around you, you can make sure you obey the traffic laws and reduce the chances of getting into an accident. Of course, shopping around is always a smart way to make sure you are getting a good deal on your auto insurance. Access comprehensive insights into our guide titled “Do car accidents where you live affect car insurance rates?”
State Farm consistently offers competitive rates for Chevy Cavalier insurance, with full coverage options starting at $155 monthly.
Michelle Robbins Licensed Insurance Agent
You can start comparing car insurance rates right now merely by entering your ZIP code below.
Frequently Asked Questions
How much does car insurance for a Chevy Cavalier cost?
The cost of Chevy Cavalier car insurance varies based on factors like location, driving history, age, and chosen coverage options. The model year, safety features, and repair costs also affect rates. For accurate estimates, request quotes from multiple insurers.
For additional details, explore our comprehensive resource titled “Driving Without Insurance: Avoid Lapses in Coverage for Lower Rates.”
What are the typical coverage options for Chevy Cavalier car insurance?
Typical coverage options for Chevy Cavalier car insurance include liability coverage (required in most states), collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection. The coverage options you choose should align with your specific needs and budget.
Are there any discounts available for insuring a Chevy Cavalier?
Many insurers provide discounts that can lower the cost of insuring a Chevy Cavalier, such as multi-policy, good driver, and safety feature discounts. It’s advisable to ask insurers about specific discounts available.
What factors can affect the cost of Chevy Cavalier car insurance?
Several factors affect Chevy Cavalier car insurance costs, such as driving record, age, location, credit history, annual mileage, and selected coverage options. Additional influences include local crime and accident rates, repair costs, and theft likelihood. Accurate information ensures precise insurance quotes.
To find out more, explore our guide titled “How much does mileage affect car insurance rates?”
Are there any specialized insurance considerations for insuring a Chevy Cavalier?
Insuring a Chevy Cavalier usually doesn’t require special considerations. However, check with providers for any specific requirements or recommendations. If your Chevy Cavalier has modifications, inform your insurer to ensure adequate coverage.
What is the best car insurance company for classic cars like Chevy Cavalier?
State Farm is often recommended as the best insurance company for classic cars like the Chevy Cavalier due to their tailored classic car policies.
Is full coverage worth it on Chevy Cavalier?
Yes, full coverage is worth considering for a Chevy Cavalier to protect against a wide range of potential costs, especially if the vehicle is in good condition or has significant value.
Learn more by reading our guide titled “Best Full Coverage Car Insurance.”
Why is my insurance so high for a Chevy Cavalier?
Insurance might be high for a Chevy Cavalier due to factors like the car’s age, your driving record, and the car’s safety ratings.
Is an older Chevy Cavalier car cheaper to insure?
Generally, an older Chevy Cavalier can be cheaper to insure due to lower replacement costs, unless it’s considered a classic car.
At what age is Chevy Cavalier car insurance cheapest?
Chevy Cavalier car insurance is typically cheapest for drivers aged 25 and older, due to lower risk profiles.
Avoid overpaying for your car insurance by entering your ZIP code below in our free comparison tool to find which company has the lowest rates.
Who typically has the cheapest insurance for Chevy Cavalier?
USAA and Geico often offer the cheapest insurance rates for Chevy Cavalier, especially for drivers with clean driving records.
What color car is the most expensive to insure for Chevy Cavalier?
The color of a Chevy Cavalier does not typically impact insurance costs; rates are more influenced by safety features and driver history.
Why is classic car insurance so cheap?
Classic car insurance is usually cheaper because these cars are driven less frequently and owners generally take great care of them, reducing risk.
Access comprehensive insights into our guide titled “Best Classic Car Insurance.”
Does credit score affect Chevy Cavalier car insurance?
Yes, a credit score can affect Chevy Cavalier car insurance rates, with higher scores often leading to lower premiums.
What type of coverage should a person with a Chevy Cavalier have?
Owners should consider comprehensive, collision, and liability insurance for a Chevy Cavalier to ensure full protection based on the car’s value and use.
Get the minimum car insurance coverage you need to drive legally by entering your ZIP code into our free quote comparison tool below.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
