The Camaro was first produced in 1966 to compete with the Ford Mustang. With its sleek design and sporty performance, this Chevy model remains one of the brand's top sellers. However, the vehicle was officially discontinued after the 2024 model. If you own a Chevy Camaro, it needs to be protected with the right car insurance.
When it's time to get the best Chevrolet Camaro insurance, an independent insurance agent can help you find coverage. These agents know which local carriers sell affordable, yet dependable Chevrolet insurance. But first, here's a breakdown of how much it costs to insure a Chevy Camaro by model year and top-rated insurance company in 2026.
Key Takeaways - Chevrolet Camaro Car Insurance
Chevrolet Camaro insurance costs an average of $2,268 per year, or approximately $189 per month, for full coverage in 2026.
Minimum coverage for a Chevy Camaro averages $1,164 per year, or approximately $97 per month.
Chevy Camaro insurance rates vary widely by state, with drivers in Louisiana paying an average of $203 per month for minimum coverage, while those in Wyoming pay only $38.
Erie, Progressive, and American Family are the cheapest carriers for model-year 2024 Chevy Camaro insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Chevrolet Camaro model.
What Is Chevrolet Camaro Insurance?
Chevy Camaro insurance begins with standard car insurance and is topped off with custom coverages necessary to protect your unique vehicle. As a sports car and muscle car, the Camaro requires specialized coverage that's not needed by standard vehicles. Because of its high speeds, custom parts, and other characteristics, the Camaro's average car insurance rates may be more expensive than those for your everyday car.
Recommended coverage options for Chevrolet Camaro drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Add-on coverage options worth considering for a Chevrolet Camaro:
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you have a new or financed Chevy vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- Chevrolet warranty insurance: This can extend Chevrolet's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Chevy parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
Most states have minimum car insurance requirements that you must meet by law or face penalties, such as fines. A local independent insurance agent can help you get equipped with all the mandatory Chevy Camaro insurance in your area.
How Much Does Chevrolet Camaro Insurance Cost?
Car insurance for a Chevrolet Camaro averages $2,268 annually, or approximately $189 monthly for full coverage. Minimum coverage averages $1,164 annually, or approximately $97 monthly. But more factors beyond just the vehicle's make and model can impact the cost of your car insurance premiums. Your car insurance cost can also be determined by:
- Your age and gender
- Your driving record
- Your credit score (where allowed)
- Your location
- Your marital status
- The coverage you select
- The deductible you choose
An independent insurance agent can help you find cheap Chevrolet Camaro insurance in your area.
Is the Chevrolet Camaro Expensive to Insure?
Yes and no. While the Chevy Camaro is expensive to insure compared to standard vehicles, it's actually fairly affordable to insure for a muscle and sports car. Its average monthly premiums are slightly higher than those of the Cadillac XLR, and slightly lower than those of the BMW Z4.
The table below compares the average monthly premium for the Camaro and several similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Scion FR-S | $138 |
| Porsche Cayman | $141 |
| Cadillac XLR | $141 |
| Chevrolet Camaro | $143 |
| BMW Z4 | $144 |
| Fisker Karma | $144 |
| Nissan 370Z | $145 |
Chevrolet Camaro Insurance Costs by Model Year
Next, we'll break down several model years of the Chevrolet Camaro and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2024 Chevrolet Camaro | $1,687 |
| 2023 Chevrolet Camaro | $1,508 |
| 2022 Chevrolet Camaro | $1,053 |
| 2021 Chevrolet Camaro | $802 |
| 2020 Chevrolet Camaro | $732 |
| 2019 Chevrolet Camaro | $846 |
| 2018 Chevrolet Camaro | $1,076 |
| 2017 Chevrolet Camaro | $838 |
| 2016 Chevrolet Camaro | $937 |
| 2015 Chevrolet Camaro | $701 |
| 2014 Chevrolet Camaro | $698 |
| 2013 Chevrolet Camaro | $684 |
| 2012 Chevrolet Camaro | $783 |
| 2011 Chevrolet Camaro | $580 |
| 2010 Chevrolet Camaro | $588 |
Cheapest Chevrolet Camaro Car Insurance Companies for 2026
You can find affordable Chevy Camaro insurance from many auto insurance carriers. These top-rated car insurance companies provide the cheapest model-year 2024 Chevrolet Camaro insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Erie | $1,922 |
| Progressive | $2,017 |
| American Family | $2,024 |
| USAA | $2,139 |
| Nationwide | $2,541 |
| Allstate | $5,693 |
Chevrolet Camaro Car Insurance Rates by State
Your location plays a major role in calculating your car insurance premiums. Here are some average Chevy Camaro car insurance rates by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $86 | $162 |
| Alaska | $72 | $152 |
| Arizona | $130 | $242 |
| Arkansas | $79 | $177 |
| California | $96 | $194 |
| Colorado | $95 | $227 |
| Connecticut | $132 | $228 |
| Delaware | $134 | $225 |
| Florida | $119 | $276 |
| Georgia | $145 | $238 |
| Hawaii | $54 | $122 |
| Idaho | $53 | $108 |
| Illinois | $89 | $166 |
| Indiana | $61 | $121 |
| Iowa | $54 | $131 |
| Kansas | $69 | $163 |
| Kentucky | $119 | $203 |
| Louisiana | $203 | $437 |
| Maine | $52 | $107 |
| Maryland | $148 | $250 |
| Massachusetts | $102 | $217 |
| Michigan | $154 | $300 |
| Minnesota | $81 | $171 |
| Mississippi | $90 | $177 |
| Missouri | $113 | $226 |
| Montana | $66 | $158 |
| Nebraska | $68 | $155 |
| Nevada | $166 | $301 |
| New Hampshire | $69 | $124 |
| New Jersey | $157 | $259 |
| New Mexico | $79 | $177 |
| New York | $117 | $211 |
| North Carolina | $82 | $162 |
| North Dakota | $58 | $128 |
| Ohio | $74 | $144 |
| Oklahoma | $90 | $201 |
| Oregon | $115 | $201 |
| Pennsylvania | $84 | $198 |
| Rhode Island | $121 | $217 |
| South Carolina | $101 | $188 |
| South Dakota | $52 | $164 |
| Tennessee | $75 | $151 |
| Texas | $123 | $251 |
| Utah | $101 | $172 |
| Vermont | $46 | $111 |
| Virginia | $91 | $148 |
| Washington | $87 | $163 |
| West Virginia | $83 | $171 |
| Wisconsin | $63 | $138 |
| Wyoming | $38 | $121 |
Average Chevrolet Camaro Insurance Rates by Driver Age and Profile
A driver's age also greatly influences the cost of their auto insurance. At about age 25, car insurance rates tend to drop dramatically until the driver reaches about age 65, then gradually climb again.
Further, having accidents or other traffic violations can also increase your premium rates, as can having poor credit. Here are some average Chevrolet Camaro insurance rates by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,889 | $11,545 | $13,524 |
| 20 | $6,087 | $8,857 | $10,377 |
| 25 | $3,557 | $5,201 | $6,085 |
| 30 | $2,788 | $4,087 | $4,758 |
| 35 | $2,549 | $3,811 | $4,411 |
| 40 | $2,441 | $3,684 | $4,317 |
| 45 | $2,371 | $3,559 | $4,184 |
| 55 | $2,250 | $3,310 | $3,821 |
| 65 | $2,331 | $3,377 | $3,958 |
| 75 | $2,939 | $4,297 | $4,979 |
Best Chevrolet Camaro Insurance Discounts: How to Lower Your Chevy Camaro Insurance Premiums
Want to save more money on Chevy Camaro insurance? Just follow any of these easy steps:
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Chevy Camaro insurance from a trusted carrier near you.
- Compare quotes from multiple carriers: Comparing Chevrolet Camaro insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Ask about telematics programs: Your insurance company or Chevrolet may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Chevy Camaro insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
A local independent insurance agent can help you find the most affordable, yet reliable, Chevy Camaro insurance near you. They can also help recommend additional ways to reduce your premium rates even further.
An Independent Insurance Agent Can Help You Get the Best Chevrolet Camaro Insurance Quotes
When it's time to find the most affordable Chevrolet Camaro insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Chevy Camaro insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Chevrolet Camaro Insurance
How much does Chevrolet Camaro insurance cost per year?
The average annual cost of full coverage for a Chevy Camaro is $2,268 per year, or approximately $189 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Chevrolet Camaro insurance premiums?
Living in an area with high theft rates, filing multiple claims, having a poor driving record, or having poor credit can all increase Chevy Camaro insurance rates.
Is the Chevrolet Camaro expensive to insure?
Not when compared to many other vehicles in its class. The Chevy Camaro's average insurance rates are actually slightly cheaper than those of the BMW Z4 and the Nissan 370Z.
What are the best and cheapest carriers for Chevy Camaro insurance in 2026?
We found that Erie, Progressive, and American Family are the best and cheapest car insurance companies for model-year 2024 Chevrolet Camaro insurance this year.
How can I get cheaper Chevrolet Camaro insurance?
Finding cheaper Chevy Camaro insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Does vehicle age affect premiums?
Yes, your vehicle's age can greatly influence your coverage premiums. We found that the 2024 Chevy Camaro was the most expensive model-year to insure of those we compared.
Other Chevrolet Models
Sources
https://www.moneygeek.com/insurance/auto/chevrolet-camaro-insurance/
https://www.insuranceopedia.com/auto-insurance/chevrolet-camaro-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/chevrolet/camaro/