How much would car insurance cost for a Chevrolet Monte Carlo?

The Chevrolet Monte Carlo was manufactured for 37 years. Your car insurance rates will depend on whether you have a classic ride from 1974 or a newer model. Comparison shopping online may save you up to 20%. To begin comparing great low car insurance rates for your Chevrolet Monte Carlo, enter your ZIP code now.

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UPDATED: Apr 3, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Apr 3, 2022Fact Checked

Chevrolet Monte Carlo Summary
Key Chevrolet Monte Carlo FactsSource
Final Chevrolet Monte Carlo model year -
2007 Chevrolet Monte Carlo MPG - 22 combined city/
2007 Chevrolet Monte Carlo city MPG -
2007 Chevrolet Monte Carlo highway MPG -
2007 Chevrolet Monte Carlo average annual fuel expenditure - $1,
2007 Chevrolet Monte Carlo average cost to fill the tank - $
2007 Chevrolet Monte Carlo EPA Size Class - Midsize
2007 Chevrolet Monte Carlo NHTSA crash test result front driver side - five
NHTSA crash test front passenger side - five
NHTSA crash test rollover rating - four stars
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Here's what you need to know...

  • The Monte Carlo was produced for 37 years, so insurance premiums will vary greatly depending on the condition and age of your particular vehicle
  • Newer models come equipped with several safety features
  • You can control a number of factors that determine your car insurance rates
  • Comparison shopping is a great way for you to make sure you’re not paying too much for your car insurance premiums

Looking for Monte Carlo SS insurance? Finding cheap car insurance can sometimes feel impossible. If you are car shopping for a Chevrolet, you may end up wondering: how much would car insurance cost for a Chevrolet Monte Carlo? The Monte Carlo is a two-door rocket of a car and is considered a fifth-generation masterpiece.

Determining premiums really depends on a variety of factors, and we understand that it can all be quite complicated. We will go through the information on the Chevy Monte Carlo step by step so you can figure out how best to get the right premium price for you.

Looking for affordable Chevrolet Monte Carlo car insurance? Before learning how much car insurance costs for a Chevrolet Monte Carlo, enter your ZIP code above and start using our comparison tool to find better Chevrolet Monte Carlo car insurance quotes now.

What features make a difference on the car insurance of a Chevrolet Monte Carlo?

First, let’s consider a few things about the make and model. The Chevrolet Monte Carlo was first manufactured in the year 1970 and was produced all the way until the year 2007, with the last version rolling out of production line on June 19, 2007.

There are certainly many years and variations on this model of car. All of these variances can play a role in deciding the price of your insurance.

For example, insurance for the 2007 version of the Monte Carlo would typically cost more than an older version, say the 1998 model, as it would cost more for the best car insurance company to replace due to features. In short, insurance for Monte Carlo SS is dependent on age. As in, Monte Carlo SS insurance is cheaper for older models.

So, for instance, 2006 Monte Carlo SS insurance would be more expensive than 2002 Monte Carlo SS insurance which would be more expensive than 1987 Monte Carlo SS insurance and so on.

If you are restoring a 1970 model of the car and need classic car insurance coverage, that is a completely different scenario. There is no one-answer-fits-all when dealing with such a particular model for vintage car insurance.

The good news is that the Monte Carlo ranks on a lot of lists of cars that tend to have low-cost car insurance. This can be due to safety features on certain year models, such as:

  • 4-wheel antilock brakes
  • Airbags
  • Stability control (which help you to stay more in control no matter the weather conditions)

Statistically speaking, some cars do carry greater risks than others. Why is this so?

Some have speculated that this phenomenon could be due to the type of drivers that certain cars attract. For the most part, the Monte Carlo has a good reputation for attracting safe drivers. It is a two-door coupe and a personal luxury car, but it’s not the most expensive car on the market.

For the insurance company, figuring out what you will pay to insure your new Monte Carlo is all a matter of statistics.

Insurance companies are a business like any other, and they need to make money in order to stay in business. In order to make money, they have to assess risk and loss on a case by case basis. How is your case looking?

Before we move any further, here is a slice of nostalgia, a Chevrolet Monte Carlo ad from 1979.

A great way to accrue discounts is to either drive a car that comes preloaded with safety features or add them to the car after purchasing it. Let’s take a look at some more safety features car insurance discounts.

Car Insurance Safety Discounts Offered by Insurance Companies
Car Insurance
Safety Discounts
21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise Controlxxxx
Adaptive Headlightsxxxxxxxx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxx
Daytime Running Lightsxxxxxxxxxxxxxxxxxx
Electronic Stability Controlxxxxxxxxx
Lane Departure Warningxxxx
Forward Collision Warningxxxxxxx
Driving Device/Appxxxxxxxxxxxxxx
Emergency Deploymentx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
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As you can see there are a variety of discounts that are applicable to most vehicles. With a standard car like the Monte Carlo, you could most likely take advantage of a fair amount of these discounts.

Driving a reasonable car like the Monte Carlo is a good start to get lower premiums. More luxurious cars such as the Porsche 911, Dodge Viper, and Jaguar pretty much guarantee you will be paying through the nose for regular car coverage.

From a statistical standpoint, small, fast, sports cars get into more crashes and have more speeding tickets and smaller fender-benders than sedan style cars do. This car is a large coupe version of a traditional sedan. It would be prudent to determine how your car insurance company defines sportscar.

Common sense tells us when you deal with insurance companies, as soon as the risk goes up, the price goes up. Expenses of fixing the car also impact your rates. The same goes for older vehicles, who’s parts are harder to find, like the ’83 model shown in the next video.

If a car is rare or very pricey, you are once again paying the insurance company for the risks, this time from the mechanical replacement cost arena.

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How do personal factors affect the car insurance cost for a Chevrolet Monte Carlo?

Your personal history and stats also play a big role in your overall rate. According to the Huffington Post, things such as age and gender will affect your price and cannot be controlled. Here is a quick video on factors that affect premiums.

The good news is, there are numerous factors within your power that you can use to your advantage:

  • Your driving record will play a key role. Driving safely and following the rules of the road can help you to keep your record clean.
  • Your credit score can also have an impact on your premiums. Many insurance companies have studied the statistics linking low credit scores to accident rates. Keep your score in the good range if you want to get the best deal on insurance.
  • Marital status also affects rates. Married persons tend to make fewer claims and overall are involved in fewer accidents than those with a single status. We aren’t saying to rush out and get hitched just for a discount, of course, but it is something to know if you’re getting hitched anyway.
  • Adding more drivers and vehicles onto a policy can qualify you for a discount. This can sometimes backfire, however, if your sweetheart has a terrible driving record.

And, of course, the amount of coverage you have is a factor. So, for instance, Allstate’s types of insurance include Allstate rideshare insurance and Allstate storage insurance. You most likely don’t need these, but they would elevate your annual premium expenditure. Allstate’s full coverage cost would most likely be more worth it.

Here is a video on auto insurance discounts.

Let’s take a look at all personal factor driving discounts available.

Car Insurance Personal Factor Discounts Offered by Insurance Companies
Personal Car Insurance
Discounts Offered
21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Newer Vehiclexxxxxxxxxxxxxxxx
Green Vehiclexxxxxxx
Claim Freexxxxxxxxxxxxxxxxxxxxxx
Continuous Coveragexxxxxxxxxxxxxxx
Defensive Driverxxxxxxxxxxxxxxxxxxxxxx
Distant Studentxxxxxxxxxxxxxxx
Driver's Edxxxxxxxxxxxxxxxxxxxx
Early Signingxxxxxxxxxxxxxx
Engaged Couplex
Family Legacyxxxxxx
Family Planxxxxx
Federal Employeexxxx
Full Paymentxxxxxxxxxxxxxxxxx
Further Educationxxxxxxxxx
Good Creditxxxx
Good Studentxxxxxxxxxxxxxxxxxxxxxx
Life Insurancexx
Low Mileagexxxxxxxxxxxxxxxxxxx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newly Licensedx
Occasional Operatorx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Recent Retireesxx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Young Driverxxxxxx
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Notice how almost every insurer — with the exception of Country Financial, Liberty Mutual, and The Hanover — offer a safe driver discount. Take advantage of this if it applies.

How do I use a comparison tool to get car insurance rate quotes for a Chevrolet Monte Carlo?

The number one way to can save on Monte Carlo car insurance is to shop around. Comparison shopping helps you see just what is out there and helps to ensure that you get the best possible coverage and the best possible price. Going online makes this process simple.

Always be sure to compare not only price but also fine print to be sure you understand exactly what each policy covers.

The Chevrolet Monte Carlo is an excellent car and one that is relatively inexpensive to insure for a luxury class car — at least when compared to flashier sports cars. Before we wrap up, here is one more video about the Chevrolet Monte Carlo.

Keep an eye on the factors you have control of and comparison shop for the best deals.

Ready to buy Chevrolet Monte Carlo car insurance? Get started right now by entering your ZIP code and comparing Monte Carlo car insurance rates.

Frequently Asked Questions: Chevrolet Monte Carlo

Below are some common questions about the Chevrolet Monte Carlo.

How much is a Monte Carlo SS?

The Monte Carlo LS has an MSRP of $21,445.

Is a Monte Carlo SS a sports car?

It is a two-door coupe.

What does SS mean on a Monte Carlo?

SS stands for SuperSport.

How much horsepower does a 1987 Monte Carlo SS have?

180 horsepower.

Is Monte Carlo a muscle car?

It was more of a personal luxury car.

Are Chevy Monte Carlo good cars?

It was produced for nearly forty years which leads one to believe it was generally well-liked.

How much is a 1980 Monte Carlo worth?

Anywhere from $1,200-$13,500. It depends on how the car has been treated and how many miles are on it amongst other factors.

Is the Monte Carlo SS Supercharged?

The Monte Carlo SS 2004 and 2005 models were.

What car did Denzel drive in Training Day?

A 1979 Chevy Monte Carlo.

Is Monte Carlo a Chevy?

Yes, it is.

Why did Chevrolet stop making the Monte Carlo?

Shrinking sales for mainstream coupes in general.

When did the Monte Carlo SS come out?


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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