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2005 Chevrolet Express Insurance Rates

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

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: Nov 19, 2021

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Average insurance rates for a 2005 Chevrolet Express are $936 a year for full coverage. Comprehensive insurance costs around $140, collision insurance costs $178, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,010 or more. Teenage drivers receive the highest rates at up to $3,828 a year.

Annual premium for full coverage: $936

Rate estimates for 2005 Chevrolet Express Insurance

Comprehensive $140
Collision $178
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 driver in their 40's, prices range range from as low as $510 for a discount liability-only rate to a much higher rate of $2,010 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $936
High Risk $2,010

View Chart as Image

2005 Chevrolet Express insurance rates compared
Column chart showing 2005 Chevrolet Express insurance prices range from $574 to $3,828 for full coverage

These differences show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than relying on average rates.

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 2005 Chevrolet Express Insurance

Searching Companies

Overpriced Chevrolet Express insurance can overdraw your bank account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. Because there are so many online and local companies to choose from, it can be impossible to find the lowest price car insurance company.

How to reduce 2005 Chevy Express insurance rates

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but a few need to be asked for before being credited. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Memberships – Participating in a qualifying organization is a good way to get lower rates on your policy on Express coverage.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Defensive Driving Course – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.

It’s important to note that most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will reduce your premiums.

Car insurance companies that may offer some of the above discounts include:

  • State Farm
  • American Family
  • 21st Century
  • Progressive

Before buying, ask each insurance company what discounts are available to you. Savings may not apply everywhere.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine if your situation could use an agent’s help.

  • Is my 2005 Chevy Express covered for smoke damage?
  • Am I covered when delivering products for my home-based business?
  • Am I covered when using my vehicle for business?
  • Can I afford to pay high deductible claims out of pocket?
  • Is rental equipment covered for theft or damage?
  • Am I covered if hit by an uninsured driver?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

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Coverage specifics

Learning about specific coverages of car insurance can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as prosthetic devices, hospital visits, chiropractic care and nursing services. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, hitting a deer, a tree branch falling on your vehicle and fire damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Express.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as emergency aid, bail bonds and court costs. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Auto collision coverage

This pays for damage to your Express caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, hitting a parking meter, crashing into a ditch, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Best coverage at the best price

Cheap 2005 Chevy Express insurance is attainable both online and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

We’ve covered quite a bit of information on how to compare insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the best prices are with a small local company. They may only write in your state and offer lower rates than their larger competitors like State Farm, GEICO and Nationwide.

Additional car insurance information can be found at these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2005 Chevrolet Express Insurance Rates by City
City Premium
New York City, NY $1,476
Los Angeles, CA $1,596
Philadelphia, PA $1,246
Jacksonville, FL $1,357
Phoenix, AZ $1,089
Chicago, IL $1,253
Houston, TX $1,466
Seattle, WA $912
Columbus, OH $782
Indianapolis, IN $793

Rates by Driver Age

2005 Chevrolet Express Insurance Rates by Driver Age
Driver Age Premium
16 $3,828
20 $2,140
30 $944
40 $936
50 $860
60 $842

Full coverage, $500 deductibles

Rates by Deductible

2005 Chevrolet Express Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,070
$250 $1,010
$500 $936
$1,000 $862

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Express Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $936
50/100 $1,028
100/300 $1,143
250/500 $1,442
100 CSL $1,074
300 CSL $1,327
500 CSL $1,511

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Chevrolet Express Insurance Rates for High Risk Drivers
Age Premium
16 $5,376
20 $3,410
30 $2,022
40 $2,010
50 $1,924
60 $1,904

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 $124

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $51
Homeowner $17
5-yr Accident Free $55
5-yr Claim Free $58
Paid in Full/EFT $32
Advance Quote $40
Online Quote $62
Total Discounts $362
Rate after discounts $574

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

Find companies with the cheapest rates in your area

2005 Chevrolet Express Insurance Rates by State
State Premium
Alabama $846
Alaska $716
Arizona $778
Arkansas $936
California $1,064
Colorado $894
Connecticut $960
Delaware $1,058
Florida $1,170
Georgia $862
Hawaii $672
Idaho $632
Illinois $696
Indiana $702
Iowa $630
Kansas $888
Kentucky $1,276
Louisiana $1,382
Maine $578
Maryland $770
Massachusetts $750
Michigan $1,624
Minnesota $782
Mississippi $1,118
Missouri $830
Montana $1,004
Nebraska $738
Nevada $1,120
New Hampshire $674
New Jersey $1,046
New Mexico $828
New York $984
North Carolina $538
North Dakota $766
Ohio $646
Oklahoma $960
Oregon $856
Pennsylvania $890
Rhode Island $1,248
South Carolina $846
South Dakota $790
Tennessee $820
Texas $1,128
Utah $692
Vermont $642
Virginia $560
Washington $724
West Virginia $856
Wisconsin $646
Wyoming $834

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