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2010 Chevrolet Corvette 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: Jun 12, 2015

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Average insurance rates for a 2010 Chevrolet Corvette are $1,288 a year for full coverage. Comprehensive insurance costs on average $340, collision insurance costs $526, and liability costs around $312. Buying a liability-only policy costs as low as $352 a year, and high-risk insurance costs $2,756 or more. Teen drivers receive the highest rates at up to $4,536 a year.

Annual premium for full coverage: $1,288

Rate estimates for 2010 Chevrolet Corvette Insurance

Comprehensive $340
Collision $526
Liability $312

Rate data is compiled from all 50 U.S. states and averaged for all 2010 Chevrolet Corvette 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 the average driver, prices range range from as low as $352 for only liability insurance to a much higher rate of $2,756 for a driver that may need high-risk insurance.

Liability Only $352
Full Coverage $1,288
High Risk $2,756

View Chart as Image

2010 Chevrolet Corvette insurance rates compared
Column chart showing 2010 Chevrolet Corvette insurance prices range from $733 to $4,536 for full coverage

These differences show why anyone shopping for car insurance should compare prices 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 2010 Chevrolet Corvette Insurance

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Drivers have many options when trying to find the best price on Chevy Corvette insurance. They can either waste time contacting agents to get rate comparisons or utilize the internet to find the lowest rates. There is a better way to shop for insurance coverage and you need to know the quickest way to compare rates for your Chevy and obtain the best price possible from local insurance agents and online providers.

You need to shop coverage around quite often since rates tend to go up over time. If you had the best deal for Corvette coverage a year ago there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the only way to properly buy coverages while reducing your premium.

Comparison of Car Insurance

There are a variety of methods to compare 2010 Chevy Corvette car insurance quotes, but some are less time-consuming than others. You can spend countless hours talking to insurance companies in your area, or you could use the internet to achieve your goal.

Many insurance companies are enrolled in a marketplace that enables customers to submit one quote, and at least one company can give them a price. This prevents consumers from doing quote requests for every car insurance company. To compare 2010 Chevy Corvette rates using this form now click here to open in new window.

One minor caviat to using this type of form is you don’t know exactly which carriers to get pricing from. So if you want to select specific providers for rate comparison, we have a page of companies who write car insurance in your area. Click to view list.

Whichever method you choose, compare apples-to-apples deductibles and coverage limits for each comparison quote. If the quotes have unequal deductibles or liability limits it will be next to impossible to find the best deal for your Chevy Corvette.

Why you might be paying too much to insure your Chevy Corvette

It’s important that you understand the different types of things that help determine car insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with better car insurance rates.

The following are a partial list of the pieces used by your company to calculate rates.

  • Never let your coverage lapse – Having an insurance coverage lapse will be a fast way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance will get you a steep fine or even jail time.You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • High crash test scores lower rates – Cars with high safety ratings can get you lower premiums. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Chevy Corvette earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Being married can save on car insurance – Having a wife or husband can get you a discount on your car insurance policy. Having a significant other translates into being more mature and responsible it has been statistically shown that being married results in fewer claims.
  • Your stress level may be raising your rates – Occupations such as lawyers, executives and financial analysts are shown to have higher average rates due to stressful work requirements and lots of time spent at work. Conversely, jobs such as scientists, engineers and the unemployed pay the least for Corvette coverage.
  • Tickets mean higher rates – Your driving record has a big impact on rates. Careful drivers tend to pay less for car insurance than their less careful counterparts. Even one citation can boost insurance rates forty percent or more. Drivers who get dangerous violations such as reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Do men or women drive better? – The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes have accidents in similar percentages, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
  • An active claims history can cost you – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Auto insurance companies provide lower rates to people who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Older drivers save more – Teen drivers tend to get distracted easily when behind the wheel so car insurance rates are higher. Older insureds are more responsible, tend to file fewer claims and are safer drivers.

Verify you’re getting all your discounts

Auto insurance companies do not advertise all available discounts very clearly, so the following is a list of both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit you qualify for, you are throwing money away.

  • 55 and Retired – Mature drivers can possibly qualify for reduced rates for Corvette coverage.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off for Corvette coverage with a few insurance companies.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Resident Student – Children who are attending college and don’t have a car may be able to be covered for less.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies that possibly offer these money-saving discounts include:

Before buying, ask all companies you are considering how you can save money. All car insurance discounts might not apply in every state.

When should I talk to an agent?

When it comes to buying coverage, there really is not a “perfect” insurance plan. Every situation is different.

For instance, these questions could help you determine if you could use an agent’s help.

  • Should I waive the damage coverage when renting a car?
  • Do I need replacement cost coverage?
  • Should I rate my 2010 Chevy Corvette as pleasure use or commute?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How can I get high-risk coverage after a DUI?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a Chevy Corvette

Learning about specific coverages of auto insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision coverage protection

Collision insurance covers damage to your Corvette from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, crashing into a ditch, scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses such as funeral costs, hospital visits, X-ray expenses, ambulance fees and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, falling objects, vandalism, a tree branch falling on your vehicle and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.


This will cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like medical expenses, medical services, emergency aid, court costs and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Shop smart and save

Insureds change insurance companies for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, denial of a claim and not issuing a premium refund. It doesn’t matter what your reason, switching insurance coverage companies is not as hard as you think.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. Too many times, an accident victim reduced liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to buy a smart amount of coverage for the lowest price.

Cost effective 2010 Chevy Corvette insurance can be purchased from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

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Rates by U.S. City

2010 Chevrolet Corvette Insurance Rates by City
City Premium
New York City, NY $2,031
Los Angeles, CA $2,196
Philadelphia, PA $1,716
Jacksonville, FL $1,863
Phoenix, AZ $1,498
Chicago, IL $1,728
Houston, TX $2,012
Seattle, WA $1,252
Columbus, OH $1,074
Indianapolis, IN $1,096

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 Chevrolet Corvette Insurance Rates by Driver Age
Driver Age Premium
16 $4,536
20 $2,906
30 $1,356
40 $1,288
50 $1,174
60 $1,148

Full coverage, $500 deductibles

Rates by Deductible

2010 Chevrolet Corvette Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,666
$250 $1,492
$500 $1,288
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Corvette Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,288
50/100 $1,350
100/300 $1,428
250/500 $1,631
100 CSL $1,382
300 CSL $1,553
500 CSL $1,678

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Chevrolet Corvette Insurance Rates for High Risk Drivers
Age Premium
16 $6,514
20 $4,624
30 $2,832
40 $2,756
50 $2,624
60 $2,600

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 $177

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $65
Homeowner $18
5-yr Accident Free $97
5-yr Claim Free $84
Paid in Full/EFT $62
Advance Quote $64
Online Quote $94
Total Discounts $555
Rate after discounts $733

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

Find companies with the cheapest rates in your area

2010 Chevrolet Corvette Insurance Rates by State
State Premium
Alabama $1,162
Alaska $986
Arizona $1,070
Arkansas $1,288
California $1,464
Colorado $1,228
Connecticut $1,320
Delaware $1,456
Florida $1,606
Georgia $1,190
Hawaii $926
Idaho $872
Illinois $960
Indiana $970
Iowa $868
Kansas $1,220
Kentucky $1,754
Louisiana $1,904
Maine $792
Maryland $1,062
Massachusetts $1,028
Michigan $2,234
Minnesota $1,078
Mississippi $1,542
Missouri $1,142
Montana $1,382
Nebraska $1,014
Nevada $1,544
New Hampshire $928
New Jersey $1,436
New Mexico $1,138
New York $1,354
North Carolina $740
North Dakota $1,054
Ohio $888
Oklahoma $1,318
Oregon $1,182
Pennsylvania $1,226
Rhode Island $1,714
South Carolina $1,166
South Dakota $1,086
Tennessee $1,128
Texas $1,548
Utah $954
Vermont $878
Virginia $772
Washington $994
West Virginia $1,182
Wisconsin $890
Wyoming $1,144

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