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The Chevrolet Express can be used for commercial use or if you have to haul a large family. The Express comes in eight, twelve, or fifteen-passenger versions. Not only can the Chevrolet Express haul some large loads, but the newer models have updated safety features to keep you well protected.
The right car insurance for your Chevrolet Express that's accurate and sufficient can be found through an independent insurance agent.
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TrustedChoice.com has a find-an-agent tool that can match you with the best local independent insurance agent who will help you find coverage at a fair price for your Chevrolet Express.
What Kind of Insurance Do You Need for Your Chevrolet Express?
Insurance for your Chevrolet Express has a variety of options. Depending on which state you live in, certain coverages may be mandatory while others are optional.
Most states mandate the following coverages:
Bodily Injury Liability
Bodily injury liability will pay for medical expenses and even cover lost wages for car accidents that cause injury to passengers, pedestrians, or other drivers.
Property Damage Liability
Your property damage liability policy will help pay the bill to replace or repair the building, vehicle, or structure if you or someone driving your car damages another person's property. This coverage will not provide insurance for damage to your car however.
Many states require this coverage:
Medical Payments/Personal Injury Protection
Medical payments or personal injury protection (PIP) will pay for necessary medical treatment resulting from an accident where you or your passengers are injured. PIP insurance is available in "no-fault" states and is typically a requirement. Everywhere else, medical payments coverage is available.
Uninsured and Underinsured Motorist Coverage
If the other party does not have insurance or not enough insurance to cover your losses in a claim, uninsured and underinsured motorist coverage (UM/UIM) will pay for damages to your vehicle. With all the uninsured drivers today, UM/UIM coverage is good to have.
Collision coverage will pay damage for other people's property on your behalf if you are responsible for causing an accident. Your finances could be at risk without collision coverage on your policy.
Your Chevrolet Express is at risk, even parked in the driveway. Comprehensive coverage will kick in if a natural disaster, storm, or another incident out of your control causes damage to your car.
Your Chevrolet Express's windshield could run in the ballpark of $500 to replace. Instead of paying that all on your own, you could have your windshield replaced with zero-deductible glass coverage. This policy endorsement typically costs just a few dollars and is a valuable add-on.
Gap coverage is crucial if you finance or lease your Chevrolet Express. If you have a total loss accident, gap insurance will pay the difference between your car's value and the outstanding loan amount. Without gap insurance, you'll be responsible for paying the difference out of pocket.
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What Affects the Cost of Insurance for Your Chevrolet Express
A variety of factors go into calculating insurance premiums for your Chevrolet Express. For instance, young drivers will pay higher insurance rates because of their experience level. A teen Chevrolet Express driver pays an average of $4,988 per year for insurance. The lowest average premium with liability only is $496 per year. If you have multiple driving violations or at-fault accidents, your rates can run you $2,818 annually.
Average Cost of Chevrolet Insurance by Model
The year, make, and model of your Chevrolet Express can affect your insurance premiums. The rates below assume that the driver is a 40-year-old male with a clean driving history. The policies will also reflect a $500 comprehensive and collision deductible, UM/UIM coverage, and minimum liability limits. Rates are averaged across all 50 states.
|Average annual insurance premium for a new Chevrolet by model|
|Chevrolet Bolt EV||$1,580|
|Chevrolet Captiva Sport||$1,308|
|Chevrolet Silverado 2500HD||$1,650|
|Chevrolet Silverado 3500HD||$1,660|
|Chevrolet Tahoe Hybrid||$1,608|
The Safety of Your Chevrolet Express
The safety features on your vehicle will affect your premiums and give the carriers a gauge of how likely you are to file a claim. Fortunately, the newer Chevrolet Expresses have improved optional safety measures.
Forward collision warning and lane departure warning are the advanced safety features starting in the 2019 Chevrolet Express. The Chevrolet Express is ranked for its stability and curtain airbags that come standard.
How Location Affects Your Chevrolet Express Insurance
Living in certain states could earn you a lower car insurance premium, while your rates could be higher in other locations. The carriers will calculate premiums according to local crime rates, traffic patterns, and the number of claims filed.
|Average yearly auto insurance rates are most expensive in these states:|
|Average yearly auto insurance rates are the least expensive in these states:|
Average Cost to Insure a Chevrolet Express
The average annual premium to insure a Chevrolet Express with full coverage is $1,296. Rates vary depending on location and the coverage selected, your age, and your motor vehicle record.
Here's how Chevrolet Express rates change for younger vs. older drivers:
|Chevrolet Express rates by age for full coverage with a $500 deductible|
Top Independent Insurance Carriers That Insure the Chevrolet Express
The insurance carrier you decide to go with is as important as the coverages you choose. Your insurance company should be reliable and responsive. The US Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies a solid recommendation:
- Auto-Owners Insurance
Get a Chevrolet Express Quote
Reach out to a TrustedChoice.com agent today to get a quote for insurance on your Chevrolet Express. An independent insurance agent can shop dozens of insurance companies, providing you with the most affordable and complete auto insurance coverage.
TrustedChoice.com Article | Reviewed by Candace Jenkins
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