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1997 Chevrolet Express Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Dec 8, 2021

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Average insurance rates for a 1997 Chevrolet Express are $872 a year for full coverage insurance. Comprehensive costs on average $120 each year, collision insurance costs $152, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs around $1,878. Teen drivers receive the highest rates at up to $3,622 a year.

Annual premium for full coverage: $872

Rate estimates for 1997 Chevrolet Express Insurance

Comprehensive $120
Collision $152
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1997 Chevrolet Express models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $496 for just liability insurance to a high rate of $1,878 for high-risk insurance.

Liability Only $496
Full Coverage $872
High Risk $1,878

View Chart as Image

1997 Chevrolet Express insurance rates compared
Column chart showing 1997 Chevrolet Express insurance prices range from $539 to $3,622 for full coverage

These differences illustrate why all drivers should compare rates based on a specific location and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1997 Chevrolet Express Insurance

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I can’t think of anyone who likes paying for insurance, in particular when their premiums are through the roof. Having so many options when it comes to insurance, it’s difficult to locate the best insurer.

Smart consumers take time to check insurance prices quite often because insurance rates tend to go up over time. Despite the fact that you may have had the lowest rates for Express coverage on your last policy you may be paying too much now. So just ignore everything you know about insurance because you’re going to learn the quickest way to save on insurance.

The purpose of this post is to help you learn how to get online quotes and some tips to save money. If you currently have a car insurance policy, you will most likely be able to save some money using this information. Consumers only need to know the most effective way to compare company rates over the internet.

How much can you save with discounts?

Car insurance is not cheap, buy you may qualify for discounts to reduce the price significantly. Some trigger automatically when you complete an application, but some may not be applied and must be requested specifically in order for you to get them. If you’re not getting every credit available, you are throwing money away.

  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Multiple Cars – Buying insurance for all your vehicles on the same insurance policy qualifies for this discount.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Multiple Policy Discount – If you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Homeowners Pay Less – Being a homeowner may trigger a insurance policy discount because owning a home shows financial diligence.

Keep in mind that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will cut the cost of coverage.

For a list of insurance companies with the best insurance discounts, click here to view.

How to Compare Insurance Coverage Quotes

All the larger insurance coverage companies like Progressive, GEICO, Allstate and State Farm provide prices online. Obtaining pricing is fairly straightforward as you simply enter your coverage information into the quote form. After you submit the form the company’s rating system will order your driving and credit reports and returns a price based on these and other factors. Quoting online makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible in order to get a better rate.

The preferred way to get multiple rate quotes makes use of a single form that gets prices from multiple companies. It saves time, reduces the work, and makes rate comparisons much easier to do. After sending your information, it is rated with multiple companies and you can pick your choice of the quote results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. It only takes a few minutes and can result in significant savings.

In order to compare pricing, click here to open in a new tab and submit the form. If you currently have coverage, we recommend you type in the coverage information as shown on your current policy. This ensures you are getting rate quotes using the exact same coverages.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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How much car insurance do I need?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation may require specific advice.

  • Is my state a no-fault state?
  • Why does it cost so much to insure a teen driver?
  • Do I need more liability coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my custom paint covered by insurance?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance 101

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for immediate expenses for nursing services, pain medications and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, driving through your garage door and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto liability – Liability coverage protects you from injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, funeral expenses and loss of income. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, theft and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Chevy Express.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Buy online or local, you save

We covered some good ideas how you can compare 1997 Chevy Express insurance prices online. The most important thing to understand is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

As you prepare to switch companies, you should never buy less coverage just to save a little money. Too many times, someone dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at an affordable rate.

Additional detailed information can be read in the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1997 Chevrolet Express Insurance Rates by City
City Premium
New York City, NY $1,383
Los Angeles, CA $1,494
Philadelphia, PA $1,170
Jacksonville, FL $1,269
Phoenix, AZ $1,016
Chicago, IL $1,174
Houston, TX $1,370
Seattle, WA $854
Columbus, OH $733
Indianapolis, IN $744

Rates by Driver Age

1997 Chevrolet Express Insurance Rates by Driver Age
Driver Age Premium
16 $3,622
20 $2,006
30 $882
40 $872
50 $804
60 $786

Full coverage, $500 deductibles

Rates by Deductible

1997 Chevrolet Express Insurance Rates with Different Deductibles
Deductible Premium
$100 $992
$250 $938
$500 $872
$1,000 $810

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Express Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $872
50/100 $960
100/300 $1,071
250/500 $1,358
100 CSL $1,005
300 CSL $1,248
500 CSL $1,425

Full coverage, driver age 40

Rates for High Risk Drivers

1997 Chevrolet Express Insurance Rates for High Risk Drivers
Age Premium
16 $5,074
20 $3,192
30 $1,884
40 $1,878
50 $1,798
60 $1,780

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $115

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $43
Multi-vehicle $47
Homeowner $16
5-yr Accident Free $50
5-yr Claim Free $54
Paid in Full/EFT $29
Advance Quote $37
Online Quote $57
Total Discounts $333
Rate after discounts $539

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1997 Chevrolet Express Insurance Rates by State
State Premium
Alabama $792
Alaska $670
Arizona $726
Arkansas $872
California $996
Colorado $836
Connecticut $898
Delaware $988
Florida $1,094
Georgia $806
Hawaii $628
Idaho $592
Illinois $652
Indiana $658
Iowa $588
Kansas $830
Kentucky $1,192
Louisiana $1,294
Maine $538
Maryland $722
Massachusetts $700
Michigan $1,518
Minnesota $732
Mississippi $1,046
Missouri $776
Montana $940
Nebraska $690
Nevada $1,046
New Hampshire $630
New Jersey $978
New Mexico $776
New York $922
North Carolina $504
North Dakota $714
Ohio $606
Oklahoma $898
Oregon $800
Pennsylvania $836
Rhode Island $1,168
South Carolina $792
South Dakota $738
Tennessee $768
Texas $1,054
Utah $648
Vermont $598
Virginia $524
Washington $678
West Virginia $800
Wisconsin $606
Wyoming $780

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