Chrysler PT Cruiser Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• The Chrysler PT Cruiser costs about the same as most other cars to insure.
• Liability only car insurance rates for a PT Cruiser run about $72 a month, while full coverage generally runs around $129 per month.
• NYCM is the cheapest auto insurance company for a PT Cruiser with a national average of just $31 monthly for liability only coverage.

---

---

PT Cruiser Overview

With 2010 models starting at $18,275, the Chrysler PT Cruiser is a great car for drivers on a budget. Not only is it on the affordable end of the spectrum when it comes to overall price point, it's also a smart option for your budget when thinking about your insurance prices.

We ran through thousands of auto insurance quotes on Compare.com, and we've found that Chrysler PT Cruiser insurance premiums average out to about $96 per month. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Chrysler PT Cruiser?

If you look at the table above, you'll see that compared to other vehicles, Chrysler PT Cruiser insurance rates are less expensive than average. PT Cruiser drivers can expect to pay around $72 a month for liability insurance, and about $129 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When compared to other Chrysler models, the PT Cruiser is cheaper, with prices around 23% lower than the rest of the automaker's vehicle lineup. However, compared to other vehicles of a similar body style, PT Cruiser coverage is above average, with both liability only and full coverage insurance averaging more expensive premiums than other cars.

When compared to all vehicles, regardless of make, model, or body style, car insurance rates for both full coverage and liability only policies run more expensive than average.

---

---

Who has the Cheapest Car Insurance for a Chrysler PT Cruiser?

If you're searching for a new auto insurance policy for your Chrysler PT Cruiser, you may be most interested in which carrier offers the cheapest rates. Although there will never be one company that offers the lowest prices for everyone, NYCM provides the most affordable average rates for liability only coverage, with rates as low as $31 per month. With car insurance as little as $32 a month, ACG is the next lowest insurance carrier.

Ohio Mutual, Safeway, and Shelter Mutual round out the rest of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers use multiple different things and complex formulas to calculate rates. By reviewing quotes from a wide array of auto insurance companies at once, you can be confident you're finding the most affordable rate.

---

---

What Factors Affect Car Insurance Rates for a Chrysler PT Cruiser?

As we mentioned above, there are a whole bunch of variables that car insurance carriers use to choose how much they charge -- and each company weighs different attributes more heavily than others, so there's not one carrier that's the cheapest for every driver.

The sections below show lots of factors insurance companies use to decide rates:

Vehicle Age

The Chrysler PT Cruiser has been around for a while -- that means vehicle age can make a big difference in what you end up paying for car insurance. Normally, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually go lower.

A new Chrysler PT Cruiser 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 cheapest Chrysler PT Cruisers to insure are those that are 6 to 7 years old, while the most expensive models are PT Cruisers that are 11 to 14 and 15 or more years old, on average.

Your Age

How old you are plays a significant role in how much you pay for auto insurance. Based on the information above, younger drivers pay more for insurance than drivers with more experience on the road. In this case, drivers under 18 pay over three times as much as those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group for PT Cruiser drivers being 55-64.

Your Gender

Men normally pay more for car insurance than women. This is because men are more likely to get tickets and get into accidents, which increases the chances of an insurance claim. When it comes to PT Cruiser drivers specifically, men pay about 3% more than women per month for auto insurance.

Where You Live

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 car insurance premiums, but you may not realize that where you live is just as important. Since auto insurance is regulated on a state-by-state basis, rates shift quite a bit depending on what state you reside in.

For example, the average Chrysler PT Cruiser driver in New York pays around $173 a month for liability coverage, while the same Californian owner will pay less than half of that price, on average. The chart shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

---

---

Chrysler PT Cruiser Car Insurance Discounts

No matter your age, your car, or your home state, using as many discounts as possible when it comes to your insurance is always a good idea when shopping around for a new policy.

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

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

There are lots of other discounts out there for saving money on your insurance. Often, it's actually having a profile that looks good to insurance companies that get you the cheapest rates.

While you may not have control of every factor car insurance carriers take into account to calculate premiums (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the things you can use in your favor when it comes to cost savings:

Your Driving Record

You've no doubt noticed ads from auto insurance companies promoting hefty discounts for responsible drivers. And you probably wouldn't be surprised that your insurance rates will go higher if you get tickets for speeding or get into an accident. But you still might be left wondering exactly how much these infractions will cost you.

According to the table above, accidents will usually cost PT Cruiser drivers more than tickets, but both will result in higher than average rates. Chrysler PT Cruiser drivers with a single accident on their record pay about $95 a month (up $23 from the $72/mo. overall average), while drivers with one ticket will pay an average of $91 monthly. Those with more than one of either violation will end up paying even more.

How Much You Drive

How much you drive plays a role in your car insurance prices. Drivers who are on the roads less are less likely to get into accidents, so they'll typically be offered lower rates. In the table above, you can see that Chrysler PT Cruiser owners who drive 10,000 miles or more pay $75 for auto insurance, while those who drive fewer than 2,500 miles every year pay about $65 a month.

If you don't drive much because you work from home or have a second vehicle, it may be worth learning about usage-based or pay-per-mile insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

---

---

How Do Chrysler PT Cruisers Compare to Other Vehicles?

If you're thinking about purchasing a new vehicle and a Chrysler PT Cruiser is on your shortlist, you might want to know how it compares to other vehicles. Car insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering.

Take a look at the table below to see how the Chrysler PT Cruiser stacks up:

Overall, the Chrysler PT Cruiser 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. The PT Cruiser goes for $18,275, which is quite a bit lower than the national average vehicle MSRP of $29,720. And since it's been a few years since a new PT Cruiser model has been on the market, used prices are going to be even more affordable.

Similarly, car insurance prices run below average when compared to the rest of the vehicle market. Liability insurance for a Chrysler PT Cruiser is about $6 per month less than average, while full coverage is more than $40 less monthly.

When it comes to usage, Chrysler PT Cruiser owners drive fewer miles annually than the national average, with 10,425 miles each year compared to 11,617 for all vehicles.

Chrysler PT Cruiser Car Insurance Costs by Model Year

You've seen how different factors can have an impact on what you'll pay for auto insurance. But if you're in the market for a new car, truck, or SUV and the PT Cruiser is on your wishlist, knowing how much your vehicle will likely cost can be extremely helpful as you weigh your choices.

Choose Your Model

2010 Chrysler PT Cruiser Car Insurance 2009 Chrysler PT Cruiser Car Insurance 2008 Chrysler PT Cruiser Car Insurance 2007 Chrysler PT Cruiser Car Insurance 2006 Chrysler PT Cruiser Car Insurance 2005 Chrysler PT Cruiser Car Insurance 2004 Chrysler PT Cruiser Car Insurance 2003 Chrysler PT Cruiser Car Insurance 2002 Chrysler PT Cruiser Car Insurance 2001 Chrysler PT Cruiser Car Insurance

2010 Chrysler PT Cruiser Car Insurance

On average, drivers who own a 2010 Chrysler PT Cruiser can expect to pay $75 to $128 per month for liability only and full coverage insurance, respectively.

We found Infinity offered the lowest policy, with rates as cheap as just $23 a month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2010 Chrysler PT Cruiser, you can get free quotes in minutes by just entering your ZIP code below.

---

---

2009 Chrysler PT Cruiser Car Insurance

2009 PT Cruiser drivers can expect to pay an average of $79 monthly for liability or $132 for full coverage.

Looking for the most affordable policy? MetroMile offered liability only coverage for as low as just $20 per month.

If you want to find the best prices for auto insurance for a 2009 Chrysler PT Cruiser, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

---

---

2008 Chrysler PT Cruiser Car Insurance

The average cost to insure a 2008 Chrysler PT Cruiser with liability only coverage is $77 a month, while full coverage runs around $135 monthly.

Gainsco offered the cheapest policy we found, with rates as cheap as $18 per month.

Interested in what your insurance premium will be? Just enter your ZIP code below to get multiple free personalized quotes.

---

---

2007 Chrysler PT Cruiser Car Insurance

It costs about $76 a month for liability or $129 for a full coverage policy for the 2007 PT Cruiser.

Good2Go has rates sometimes as low as $20/mo per month for the 2007 Chrysler PT Cruiser.

While these are good estimates of what the average driver might pay to insure a 2007 Chrysler PT Cruiser, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

---

---

2006 Chrysler PT Cruiser Car Insurance

You can expect full coverage for a 2006 Chrysler PT Cruiser to run around $129 monthly, while liability only coverage will average about $74 per month.

If you're looking for the cheapest possible 2006 Chrysler PT Cruiser insurance policy, Liberty Mutual offered the lowest policy we found, with rates sometimes as cheap as $18 a month.

While these are good estimates of what the average driver might pay to insure a 2006 Chrysler PT Cruiser, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

---

---

2005 Chrysler PT Cruiser Car Insurance

It costs around $71 monthly for liability or $127 for a full coverage policy for the 2005 PT Cruiser.

With premiums sometimes as little as $19 a month, Workmens offered the most affordable policy we found for the 2005 Chrysler PT Cruiser.

Interested in what your auto insurance price could look like? Enter your ZIP code below to get lots of free customized quotes.

---

---

2004 Chrysler PT Cruiser Car Insurance

On average, drivers who own a 2004 Chrysler PT Cruiser can expect to pay $72 to $127 monthly for liability only and full coverage insurance, respectively.

With rates as little as just $20 per month, Mercury offered the cheapest policy we found.

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.

---

---

2003 Chrysler PT Cruiser Car Insurance

You can expect full coverage for a 2003 PT Cruiser to run about $115 monthly, while liability only coverage will average around $67 a month.

With prices as low as $18 per month, StateAuto offered the lowest policy we found for the 2003 Chrysler PT Cruiser.

Want something more accurate than nationwide averages? Get several free customized quotes by just entering your ZIP code below.

---

---

2002 Chrysler PT Cruiser Car Insurance

The average cost to insure a 2002 Chrysler PT Cruiser with liability only coverage is $71 monthly, while full coverage runs about $146 per month.

If you're looking for the lowest possible 2002 Chrysler PT Cruiser insurance policy, StateAuto offered the cheapest policy we found, with rates sometimes as little as $17 a month.

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

---

---

2001 Chrysler PT Cruiser Car Insurance

2001 PT Cruiser drivers can expect to pay an average of $70 monthly for liability or $124 for full coverage.

Looking for the most affordable policy? SafeAuto offered liability only coverage for sometimes as cheap as $19 per month.

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

---

---

Chrysler PT Cruiser Insurance FAQs

Is a Chrysler PT Cruiser expensive to insure?

The cost of car insurance for the Chrysler PT Cruiser is about the same as insuring the average vehicle. Liability insurance runs an average of $72 a month, while full coverage will cost you around $129.

How can I get the best price on car insurance for my Chrysler PT Cruiser?

The only way to guarantee you're getting the cheapest price on insurance is to check prices regularly and compare quotes from an array of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a bunch of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Chrysler PT Cruiser affect my insurance rates?

Have you heard the old adage that red cars cost more to insure before? Well, that's just a myth. Even though there are many variables auto insurance carriers consider when they decide your car insurance rate, the color of your PT Cruiser isn't one of them.

Do I need to have insurance before I buy a Chrysler PT Cruiser?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) Chrysler PT Cruiser off the dealership lot. As part of the buying process, some dealerships may offer you an insurance policy, but it's best to let your insurance company know ahead of time.

What car insurance discounts can I get for my Chrysler PT Cruiser?

You will find a whole range of discounts out there for car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your PT Cruiser has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The best way to find out is to talk with your insurance agent and ask about their list of discounts.