How much would car insurance cost for a Chevy Cavalier?

The Chevrolet Cavalier was last manufactured in 2005. Older vehicles are more expensive to insure because of the difficulty in finding replacement parts. Enter your ZIP to compare car insurance rates now.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • Even though Chevrolet ceased production of the Cavalier after 2005, these small cars continue to be good sellers in the used car market
  • Cavaliers are rated as lower quality vehicles due to the fact that they are simple cars without many common design advances, such as power locks and windows
  • The Insurance Institue for Highway Safety also gives Cavaliers a poor rating for safety in their frontal and side impact crash tests
  • Despite the safety concerns and quality complaints, Cavaliers continue to be popular options as starter cars because of the good gas mileage and low initial cost

When looking into the car insurance costs of a Chevrolet Cavalier, many factors are used to come up with a quote. However, a Cavalier will typically run about $900 a year for insurance or about $75 a month.

Chevrolet produced the Cavalier beginning in 1982. Though it was not well-liked by automotive experts, it was one of the highest selling cars Chevrolet produced during this time.

Its small size and fuel efficient engine made it the perfect commuter car, especially for teenagers and college students. The inexpensive price tag kept consumers coming back.

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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.

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.

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.

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.

You can start comparing car insurance rates right now merely by entering your ZIP code into the box below!

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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