Chrysler Auto Insurance vs Chevy Auto Insurance

Auto insurance companies use many factors to determine your rates, including your, (1) credit history, (2) driving record, (3) home address, and (4) car model.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 25, 2021

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Things to Remember...

  • The make and model of the vehicle you drive will affect the cost for insurance
  • Your driving record will make a difference in your premiums
  • There are many other factors that go into deciding your insurance costs
  • It’s impossible to say generally across the board which line of vehicles would be cheaper to insure: Chrysler or Chevy

Are you thinking about buying a new Chrysler or Chevrolet? In addition to the price tag, their capabilities, and features, you may need to know which one gets the best auto insurance.

When you’re shopping for a new car, it’s important to find one that fits your budget and lifestyle. Due to the fact that both Chevrolet and Chrysler make various different kinds of vehicles, your insurance rates may vary depending on the automobile you buy.

What you might be asked to pay for a Chrysler car, for example, could be much different from what you’re quoted for a Chevy truck. As a result, buying from one manufacturer could lead to cheaper insurance than the other.

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How Auto Insurance Rates Are Determined

While the type of car you drive has an impact on your auto insurance, so do your personal circumstances. As a result, someone who owns the exact same Chrysler car as you do may pay much more for their insurance.

On the other hand, a provider may decide to charge you high rates for a Chevrolet that’s typically inexpensive to insure. There are many factors to consider.

Aside from the vehicle itself, insurance companies review the following information to determine how much they will charge:

If your driving record shows you’ve caused several accidents and you speed a lot, your rates will be higher. People with bad driving records typically pay more for their insurance regardless of their car.

If you only drive your Chevy truck on the weekends, and your neighbor drives the exact same vehicle daily, they probably will pay more for their insurance. Alternatively, if they live in a rural setting with little to no traffic then they might not pay much to insure the truck.

The less time a car is on the road and around other vehicles then the less likely it will be involved in an accident.

If an insurance provider believes the chances of you filing a claim are small, your rates will be lower.

Another big factor in what determines a person’s rates is how much insurance they buy. In nearly every state, you are required by law to buy liability coverage.

This type of insurance helps pay for the damages other people and property incur in an accident you cause.

The minimum requirement for liability insurance varies from state-to-state, but most drivers carry more coverage if they can afford it.

Although your insurance rates will be higher if you buy more insurance, it’s important to remember that a car accident can cause thousands of dollars in damages.

If a driver purchases other insurance, like comprehensive or collision, then their rates will also be higher. Collision helps pay for the repairs your car needs after a crash you caused.

Comprehensive covers repairs that aren’t caused in an auto accident, like a hailstorm or a break-in. Purchasing these types of insurance will also raise your rates.

In other words, what a Chevy owner pays for their insurance, compared to someone with a Chrysler, has a lot to do with how much coverage they buy.

You can learn more about each type of automobile insurance by referring to government organizations like the California Department of Insurance.

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Chrysler was incorporated in 1925, and during the 20th century grew to become one of the world’s largest auto manufacturers. Chrysler is headquartered in Auburn Hills, Michigan and a majority stake

Chrysler is headquartered in Auburn Hills, Michigan and the majority of the company is now owned by the Italian manufacturer, Fiat. Chrysler also produces other vehicle brands:

  • Dodge
  • Ram
  • Jeep

According to the company’s financial statements, Chrysler’s net revenue for 2011 was over $50 billion dollars. The manufacturer continues to build cars for its Chrysler 200 and 300 series as well as minivans for its Town and Country brand.

Chrysler’s official website provides extensive information about the company and its history.


Chevrolet is also an American auto manufacturer that is headquartered in Detroit, Michigan. The company was founded in 1911 and was bought by General Motors in 1918, which still owns Chevy today. GM reported over $150 billion dollars in revenue in 2011.

Chevy currently produces many types of vehicles, including several different types of cars, SUVs, vans, and trucks.

Some of the different cars Chevy manufactures include the Spark mini car, the Volt hybrid, the four-door Malibu, and its famous Corvette sports car.

Examples of the SUVs Chevy produces include the Equinox crossover, the Tahoe, and the half-ton Suburban. Chevy also builds trucks like the Colorado, the Avalanche, and the Silverado, as well as its Express van.

You can learn more about all the different types of vehicles Chrysler makes through its official website.

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Comparing Chrysler to Chevrolet

Although how much you’ll pay to insure a Chevy or Chrysler will largely depend on your circumstances and what specific car you buy, there are some other things to consider.

Due to the fact that Chevrolet currently makes many more types of vehicles than Chrysler, more Chevy cars are stolen annually. A provider will charge more to insure a car that is more likely to be stolen statistically speaking.

Vehicles that are more expensive can also produce higher insurance rates. The more expensive a car is, the more it will cost an insurance company to repair it.

Due to Chevrolet’s wide selection of vehicles, the company has several that sell for less than $25,000. Chevy’s new Corvettes and Suburbans sell for more than $40,000, while all of Chrysler’s new models start for less than $30,000.

A vehicle’s safety features and durability also factor into how much an insurance company will charge. Sturdy automobiles that have modern safety features typically hold up well in accidents.

Their safety features reduce the chances of costly medical bills or repairs. Although Chevrolet produces many different types of SUVs and trucks, which have great safety ratings, Chrysler also equips its cars with state-of-the-art safety features.

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Chrysler Town & Country LX

One of the most affordable Chrysler’s vehicles to insure is its 2010 Town & Country LX.

On average, it was one of the cheapest vehicles to insure in 2011. The minivan has plenty of space inside, gets 17 miles per the gallon in the city, and has a Clear Book retail value of under $20,000.

In terms of safety features, the Town & Country LX was built with passenger, driver, and side head curtain airbags.

It also comes with child safety locks on the rear doors and an anti-theft engine immobilizer.

The Town & Country LX is also cheap to insure because minivans are usually driven in suburban settings and by families. As a result, insurance providers are more confident that they won’t be driven at dangerous speeds or in busy traffic often.

Chevrolet Silverado 1500

Chevrolet’s Silverado 1500 truck is a large, sturdy vehicle that is also extremely cheap to insure. In fact, the V8 truck is one of the most affordable vehicles to insure on the market.

Helping keep the Silverado’s insurance costs down is its standard safety features, as well as its OnStar service that is designed to help drivers during emergencies.

Providers know that most trucks are used for work purposes and are driven primarily in rural settings. Like minivans, this means they are less likely to be driven in a dangerous manner or in high traffic situations.

As a result, trucks like the Silverado are less likely to produce costly claims that will cost insurance companies money.

The Silverado 1500 can be purchased for less than $25,000 and the hybrid model of the truck can be bought for less than $45,000.

2012 Chevrolet Express

Another of the cheaper vehicles on the market to insure is Chevrolet’s Express van. The V6 van can seat 12 people with the right seating configuration and up to 15 people with an extended wheelbase.

The Express comes with head-curtain and side-impact airbags, and the OnStar service is also an option. The Express is also designed for work purposes and its price starts at less than $30,000.

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Shop Around

Regardless of whether you decide to buy a Chevy or Chrysler, one of the best ways to keep your insurance costs down is by shopping around.

A great way to do this is by using a website that compares rates from all the major providers. Learn more here: where can I compare several affordable auto insurance rates.

Once you’ve provided some basic information about the car you drive, where you live and your driving circumstances, you’ll be sent several different quotes!

Once you’ve received a few attractive quotes, it doesn’t hurt to ask for a discount and increase your savings! If you have a good driving record and have paid your bills on time, some insurance providers will offer you a discount to get your business.

Discounts are also often available to students with good grades or members of the military.

Find great insurance for your vehicle now by entering your ZIP code into the FREE box below!

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