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Chevrolet Camaro insurance rates

Average Camaro insurance cost? $206. Driving this panther doesn’t mean high rates if you shop around.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Chevrolet Camaro is $206.06 a month —or $2,472.72 a year. However, your actual costs depend on your driving history, vehicle model and year, ZIP plus other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Chevrolet Camaro$128.58$115.51$175.14$218.15$159.35
2016 Chevrolet Camaro$148.75$144.94$226.87$194.85$178.85
2021 Chevrolet Camaro$186.25$192.13$263.22$182.65$206.06

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Your rates may be different based on details such as your zip, location, job type, annual mileage and more.

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How to compare insurance for your Camaro

Auto insurance is never one-size-fits-all. You’ll want to get quotes from multiple insurance companies to compare the right coverage, perks and customer service for you. A few factors that you should consider when shopping for coverage:

  • Price. Shopping by price can be difficult because policies can differ between providers. To get around this, use the same information for every quote in order to accurately compare similar options.
  • Deductible. Since your deductible will likely impact your monthly premiums, it’s important to choose an amount that fits your monthly budget but won’t be a problem if you need to file a claim.
  • Minimum coverage. Before purchasing a policy, it’s important to ensure that it meets your state’s minimum coverage requirements.
  • Additional coverage. Uninsured motorist coverage and personal injury protection are two of the many ways you can increase your coverage. Find out what’s available and be sure to include any of these options when getting quotes.
  • Extras. Policy extras like accident forgiveness and roadside assistance may be included in your policy. If not, consider whether adding them is worth the price.
  • Restrictions. Find out if your provider has any restrictions on your policy. This can help you avoid denied claims or gaps in coverage.
  • Manufacturer offer or loyalty discount. Ask your dealership if you are eligible for any manufacturer offers or loyalty discounts through particular insurance providers.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for Chevrolet Camaros?

When calculating your premiums, insurance providers evaluate your chances of filing claims and the cost of paying them out. While your driving history and location can affect both the risk and cost of claims, the vehicle you drive often plays a much larger role. This is because vehicle performance, safety features, repair costs and other factors can all vary depending on your make, model and build options. Here’s how the Camaro measures up:

  • Body type. The Camaro is a two-door coupe that’s designed for performance. This could increase the cost of coverage.
  • Engine power. Available with 275 to 650 horsepower, the Chevrolet Camaro’s power could make it expensive to insure. The standard LS/LT models should be cheaper to insure compared to more powerful options like the ZL1.
  • Theft. These types of vehicles are stolen far less than sedans and pickups, which might reduce the cost of insurance.
  • Repairs. Despite being classified as a performance vehicle, repairs usually aren’t too expensive, which may help you save on auto insurance.
  • Safety ratings. The Camaro has great safety features and solid safety ratings. Both of these factors could reduce the cost of insurance.
  • Fuel type. The Camaro runs on gas, which should be cheaper to insure compared to diesel, hybrid or electric vehicles.
  • Trim & packages. The standard Camaro LS/LT comes with a 2.0L 275 horsepower engine. Opting for the larger engine or a more powerful model will likely be more expensive to insure. However, adding features that increase safety or visibility could help you get discounts.

Chevrolet Camaro money-saving safety features

When buying a Camaro, choosing options that improve visibility and safety can help decrease your rates, whereas opting for the larger engine or valuable features could drive up the insurance cost. You could save money if your Camaro comes equipped with these safety features.

  • Airbags
  • Antilock brakes
  • Antitheft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

Does the Chevrolet Camaro qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Chevrolet Camaro:

  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Chevrolet Camaro reliability & safety ratings

The 2021 Camaro holds a 5-star safety rating from the National Highway Traffic Safety Administration (NHTSA). The car also receives top ratings in nearly all testing by the Insurance Institute for Highway Safety (IIHS). The IIHS does give a low Marginal rating for the Camaro’s child latches because they were deep in the seat and difficult to use.

Otherwise, its impressive safety ratings and standard safety features could help you save on insurance. For reliability, J.D. Power rates this car with an 86 out of 100, based on information gathered from hundreds of thousands of car owners.

Chevrolet Camaro maintenance

The Camaro is a performance vehicle that’s designed to provide an exciting driving experience at an affordable price. While sports cars generally require more maintenance than most other vehicles, the Camaro’s modest price tag and low average repair costs hint at cheaper service appointments.

Regardless of what type of vehicle you drive, routine maintenance can extend the life of the vehicle and ensure that it runs at its best. Chevrolet recommends an oil change every 7,500 miles. The first service appointment at 7,500 miles should cost between $75 and $150, but the price depends on where you decide to have it serviced.

Is an extended warranty worth it for the Chevrolet Camaro?

The Camaro comes with a 3-year/36,000-mile Bumper-to-Bumper Limited Warranty that covers issues due to defective parts and substandard workmanship, your tires included. Beyond the standard warranty, your powertrain is also covered for 5 years or 100,000 miles, whichever comes first. Chevrolet also includes a separate 3-year/36,000-mile corrosion warranty and 6-year/100,000-mile rust-through warranty.

While Chevrolet doesn’t offer an official extended warranty for the Camaro, GM offers a protection plan that covers maintenance and mechanical repair protection along with roadside assistance.

About the Camaro

The Chevrolet Camaro has been around since 1967 and is currently in its sixth generation. The muscle car is known for its powerful V8 engine and excellent fuel economy, compared to its competitors.

Introduced as a competitor to the Ford Mustang, the Chevrolet Camaro is a highly styled, performance-oriented two-door vehicle that’s classified as a pony car. Initially designed as a competitor to the Ford Mustang, the Camaro is currently in its fifth-generation, which began production in 2009. But despite its powerful engine and sporty design, the cost of insurance is only slightly above average.

Compare Chevrolet competitors

Explore other manufacturers to find vehicles similar to the Camaro or find out what else Chevy has to offer.

Bottom line

The Chevrolet Camaro is an affordable sports car that can be optioned up to 650 horsepower. Despite its performance-oriented designed and aggressive styling, it holds great safety ratings and decent reliability ratings that could help you get auto insurance discounts. With that being said, the cost of insurance depends on a number of factors, making it important to compare your options to get an estimate that reflects your vehicle and situation.

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