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

Quick Facts

• A Chevrolet Camaro costs more than most other cars to insure.

• Full coverage for a Camaro usually comes in at around $201 per month, while liability only car insurance prices run about $85.

• Horace Mann provides the cheapest average premiums for a Camaro with liability only coverage offered for as little as $24 a month.

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Camaro Overview

With a base price of just $25,000 for new 2021 models, the Chevrolet Camaro is a great car for all budgets. You'll have your choice of five different trim levels, so you'll drive off the dealership lot in style.

Based on looking at thousands of auto insurance quotes from Compare.com, we've found that Chevrolet Camaro insurance rates average out to around $214 monthly. How do car insurance premiums for the Camaro stack up against other similar cars?

How Much is Car Insurance for a Chevrolet Camaro?

If you look at the table above, you'll find that Chevrolet Camaro insurance prices are higher than average. Camaro drivers can expect to pay about $201 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $85 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When you compare it to other models, the Camaro is more expensive, with rates more than 10% higher than Chevrolet's other vehicle offerings. Compared to offerings from other brands, insurance for a Camaro is similarly on the expensive side, with liability only insurance prices coming in around $2 more and $24 more for full coverage.

Overall, they're just more expensive to insure than the average vehicle, regardless of which make, body style, or model you compare it to.

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Who has the Cheapest Car Insurance for a Chevrolet Camaro?

Shopping around for an auto insurance policy for your Chevrolet Camaro? You may be wondering which carrier offers the most affordable rates. While costs will normally be pretty different from policyholder to policyholder, the lowest average rates for liability only insurance are sometimes as little as $24 a month from Horace Mann. With car insurance as low as just $35 monthly, Kemper Personal Insurance is the next most affordable car insurance company.

MetroMile, Aspire, and StateAuto finish off the rest of the top 5. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Chevrolet Camaro.

Insurance carriers take a wide array of factors into consideration when calculating how much to charge you. By pulling quotes from a variety of auto insurance companies at once, you can guarantee you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Chevrolet Camaro?

There are a whole bunch of things that car insurance carriers look at to choose how much to charge you -- and every carrier weighs certain pieces more than others, so there's not a singular company that's the lowest for each Camaro owner.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Chevrolet Camaro has been around for a while, so vehicle age may make a difference in what you end up paying for auto insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually get lower.

Based on the above table, the Chevrolet Camaro follows this trend, as the cheapest models to insure are those that are 15 years old or more, while the most expensive models are Camaros that are 2 to 3 and 4 to 5 years old, on average.

Your Age

How old you are plays a significant role in how much you pay for insurance. As you can see above, drivers who have more experience pay less for car insurance than young Camaro drivers. Chevrolet Camaro drivers under 18 actually pay more than twice as much as those 25 or older.

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

Your Gender

Because women are less likely to get into collisions and get tickets, they have a lower chance of filing a claim with insurance. So, insurance companies will tend to charge women less than men. When it comes to Camaro drivers specifically, men pay about $16 more than women per month for auto insurance.

Where You Live

It may seem like common sense that things like what vehicle you drive and how old you are play a role in your insurance premiums, but did you know that where you live has just as much of an impact? Insurance is regulated on the state level rather than nationally, so prices can fluctuate quite a bit depending on which state you're located in.

For example, the average Chevrolet Camaro driver from New York pays around $217 monthly for liability coverage, while on average, the same owner in California will pay less than 50% of that price. The table above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change from state to state.

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Chevrolet Camaro Car Insurance Discounts

No matter your car, your age, or your home state, it's always in your best interest to take advantage of as many car insurance discounts as possible.

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

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Multi-policy discounts for using the same insurance carrier for both your home and car insurance
• Pay-in-full discounts for agreeing to pay your entire policy price at once, rather than by monthly payments

While taking advantage of discounts is always a smart way to save money on your insurance, sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

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

Your Driving Record

You've no doubt heard ads from auto insurance carriers offering large discounts for safe drivers. It should be no surprise that your insurance prices will go up if you get into a collision or get cited for speeding. But exactly how much will these infractions cost you?

Based on the table above, accidents will usually cost Camaro drivers more than tickets, but both will result in higher than normal rates. Chevrolet Camaro drivers with one ticket will pay about $95 per month, while drivers with a single accident on their record pay an average of $105 a month (up $20 from the $85/mo. overall average). The rates only get higher the more tickets you get or accidents you have.

How Much You Drive

The total distance you drive annually plays a big role in your auto insurance premiums. Drivers who are on the roads less are less likely to get into collisions, so they'll typically be offered lower rates. Above, you can see that Chevrolet Camaro owners who drive 10,000 miles or more pay $82 for car insurance, while those who drive fewer than 2,500 miles each year pay about $71 a month.

If you don't use your Chevrolet Camaro to travel or commute regularly, you might consider learning about usage-based or pay-per-mile insurance policies. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Chevrolet Camaros Compare to Other Vehicles?

If you're considering purchasing a Chevrolet Camaro, it might be helpful to do your due diligence. Auto insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering.

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

Overall, the Chevrolet Camaro is a great value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. While the average vehicle price in the U.S. is $46,179, the Camaro has an MSRP of just $25,000.

Unlike the Camaro's lower price, auto insurance prices are higher when compared to the rest of the vehicle market. Full coverage insurance for a Chevrolet Camaro is about $64 per month more than average, while liability only coverage is $16 higher per month.

When it comes to usage, Chevrolet Camaro owners drive about the same amount annually as the national average, with 11,660 miles every year for all vehicles compared to the Camaro's 11,610 per year.

Chevrolet Camaro Car Insurance Costs by Model Year

You've seen how different variables can have an impact on how much the average driver pays to insure a Chevrolet Camaro. If you're considering buying a new vehicle and the Camaro is one you're thinking about, knowing what you'll likely pay for the specific car you're looking at can be extremely valuable as you weigh your options.

So we've decided to break down Chevrolet Camaro insurance rates by model year. Simply find the model year you want in the dropdown to see average rates for both liability only and full coverage options, as well as some other helpful info, such as who offers the most affordable policies, which trim levels are offered, and the base MSRP for each Camaro model year.

Choose Your Model

2021 Chevrolet Camaro Car Insurance 2020 Chevrolet Camaro Car Insurance 2019 Chevrolet Camaro Car Insurance 2018 Chevrolet Camaro Car Insurance 2017 Chevrolet Camaro Car Insurance 2016 Chevrolet Camaro Car Insurance 2015 Chevrolet Camaro Car Insurance 2014 Chevrolet Camaro Car Insurance 2013 Chevrolet Camaro Car Insurance 2012 Chevrolet Camaro Car Insurance 2011 Chevrolet Camaro Car Insurance 2010 Chevrolet Camaro Car Insurance

2021 Chevrolet Camaro Car Insurance

If you're considering a brand new Chevrolet Camaro, you've got options. A 2021 Chevrolet Camaro starts at around $25,000 for the base model, with five different trim levels to pick from.

The average 2021 Chevrolet Camaro generally costs about $97 a month to insure for liability only and $233 monthly for full coverage. And if you want the cheapest insurance possible, Clearcover offers liability only policies for as cheap as just $17 per month.

Although it helps to know the average price drivers pay to insure a 2021 Camaro, you'll only find out exactly what you'll pay if you get a personalized quote. With Compare.com, you can get a variety of quotes at once, all for free. Just enter your ZIP code below to get started.

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2020 Chevrolet Camaro Car Insurance

If you're looking to buy a 2020 Camaro or already own one, you can expect an average car insurance rate of around $275 for full coverage or $104 for a liability only policy.

And if you're just looking for the lowest insurance for your Camaro, Liberty Mutual offers liability only policies for as little as just $20 a month.

What could your auto insurance premium look like? All you need to do is enter your ZIP code below and you'll be on your way to comparing many personalized quotes from the nation's top insurance companies.

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2019 Chevrolet Camaro Car Insurance

On average, drivers who own a 2019 Camaro can expect to pay $109 to $244 monthly for liability only and full coverage car insurance, respectively.

With premiums sometimes as low as $17 per month, DirectGeneral offered the most affordable policy we found for the 2019 Chevrolet Camaro.

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.

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2018 Chevrolet Camaro Car Insurance

2018 Chevrolet Camaro drivers can expect to pay an average of $101 a month for liability or $231 for full coverage.

Dairyland has rates as cheap as $22 monthly for the 2018 Chevrolet Camaro.

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

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2017 Chevrolet Camaro Car Insurance

You can expect full coverage for a 2017 Camaro to run about $234 per month, while liability only coverage will average around $117 a month.

We found Commonwealth Casualty offered the cheapest policy, with rates sometimes as cheap as $24 monthly.

Interested in what your insurance price will be? Just enter your ZIP code below to get lots of free customized quotes.

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2016 Chevrolet Camaro Car Insurance

The average cost to insure a 2016 Chevrolet Camaro with liability only coverage is $111 a month, while full coverage runs about $231 per month.

With prices as low as $17 monthly, MetLife offered the lowest policy we found.

While these are good estimates of what the average driver might pay to insure a 2016 Chevrolet Camaro, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2015 Chevrolet Camaro Car Insurance

It costs around $95 a month for liability or $203 for a full coverage policy for the 2015 Camaro.

If you're looking for the cheapest possible 2015 Chevrolet Camaro insurance policy, Hugo offered the most affordable policy we found, with rates as cheap as $18 monthly.

If you want to find the best prices for car insurance for a 2015 Chevrolet Camaro, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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2014 Chevrolet Camaro Car Insurance

On average, drivers who own a 2014 Chevrolet Camaro can expect to pay $89 to $193 per month for liability only and full coverage auto insurance, respectively.

Hugo offered the lowest policy we found, with rates sometimes as low as $18 monthly.

Want to know just how much you'll pay? Just enter your ZIP code below to get several personalized quotes for free.

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2013 Chevrolet Camaro Car Insurance

It costs about $87 a month for liability or $185 for a full coverage policy for the 2013 Camaro.

Looking for the cheapest policy? Commonwealth Casualty offered liability only coverage for as cheap as just $16 per month.

These average premiums are a great starting point if you're in the market for a 2013 Chevrolet Camaro, but there are a whole range of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2012 Chevrolet Camaro Car Insurance

The average cost to insure a 2012 Chevrolet Camaro with liability only coverage is $84 monthly, while full coverage runs around $181 per month.

With rates sometimes as little as $18 a month, Hugo offered the most affordable policy we found for the 2012 Chevrolet Camaro.

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

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2011 Chevrolet Camaro Car Insurance

You can expect full coverage for a 2011 Camaro to run about $190 monthly, while liability only coverage will average around $80 a month.

With premiums as low as just $17 per month, StateAuto offered the lowest policy we found.

Want to know exactly what your insurance rate will be? Just enter your ZIP code below to get multiple free personalized quotes.

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2010 Chevrolet Camaro Car Insurance

2010 Chevrolet Camaro drivers can expect to pay an average of $79 a month for liability or $175 for full coverage.

MetLife offered the most affordable policy we found, with rates as little as just $20 monthly.

If you want to find the best rates for auto insurance for a 2010 Chevrolet Camaro, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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Chevrolet Camaro Insurance FAQs

Is a Chevrolet Camaro expensive to insure?

Liability insurance runs an average of $85 per month, while full coverage will cost you around $201. The Chevrolet Camaro is relatively expensive to insure compared to the average vehicle.

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

There's only one way to guarantee you're getting the cheapest rates -- checking prices regularly and comparing quotes from a wide array 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 numerous companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Chevrolet Camaro affect my insurance premiums?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually not the case. There are lots of variables car insurance carriers look at when they decide your auto insurance price, but the color of your Chevrolet Camaro isn't one of them.

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

You'll need to have valid insurance for your Camaro before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships might offer you a car insurance policy, but the best thing to do when buying a a new car is to talk with your car insurance company before you buy.

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

You will find a variety of discounts out there when it comes to insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your vehicle and more on you, but if your Camaro has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. To learn more about which discounts you may qualify for, reach out to your insurance carrier and ask about which discounts they offer, since they vary quite a bit from carrier to carrier.