2010 Chrysler PT Cruiser Insurance Rates
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UPDATED: Jun 12, 2015
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Average insurance rates for a 2010 Chrysler PT Cruiser are $926 a year with full coverage. Comprehensive insurance costs an estimated $150 each year, collision costs $238, and liability insurance costs around $402. Buying a liability-only policy costs as low as $446 a year, with high-risk insurance costing $2,002 or more. Teenage drivers receive the highest rates at $3,692 a year or more.
Annual premium for full coverage: $926
Rate estimates for 2010 Chrysler PT Cruiser Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 Chrysler PT Cruiser 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 go from as low as $446 for a discount liability-only rate to a high rate of $2,002 for a driver who has had serious violations or accidents.
These differences demonstrate why all drivers should compare prices for a targeted area 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 2010 Chrysler PT Cruiser Insurance
Shoppers have lots of choices when shopping for affordable Chrysler PT Cruiser insurance. You can either waste hours driving around trying to get quotes or save time using the internet to compare rates. There are more efficient ways to compare auto insurance rates and we’ll show you the absolute fastest way to quote coverages on a Chrysler and locate the cheapest rates from both online companies and local agents.
How to Compare Car Insurance Costs
There are multiple methods to compare 2010 Chrysler PT Cruiser car insurance quotes, and some are less time-consuming than others. You can spend countless hours talking about coverages with insurance agencies in your area, or you could use the web to get the quickest rates.
Most of the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and at least one company returns a competitive quote. This eliminates the need for quote forms for each company.
To use this form to compare 2010 Chrysler PT Cruiser insurance rates click to open in new window.
The one disadvantage to comparing rates this way is you don’t know exactly which insurance companies you want pricing from. If you prefer to choose individual companies to request quotes from, we have a page of the cheapest car insurance companies in your area. Click to view list.
Which method you use is up to you, but double check that you are using identical coverages and limits for every company. If you are comparing different limits and deductibles on each one you can’t possibly find the best deal for your Chrysler PT Cruiser.
Is my situation unique?
When buying the right insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different.
Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.
- How do I file an SR-22 for a DUI in my state?
- Is a fancy paint job covered?
- Does my policy cover me when driving someone else’s vehicle?
- Which companies will insure high-risk drivers?
- What are the best liability limits?
- Do I pay less if my vehicle is kept in my garage?
If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.
Car insurance coverage information
Learning about specific coverages of a car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.
Liability coverage – Liability coverage can cover injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims such as pain and suffering, legal defense fees and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as doctor visits, pain medications and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay
Collision coverage – This coverage will pay to fix damage to your PT Cruiser from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision insurance covers claims like colliding with another moving vehicle, rolling your car, scraping a guard rail, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.
Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2010 Chrysler PT Cruiser.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Comprehensive coverages – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like a broken windshield, falling objects, hitting a bird, theft and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Rates by U.S. City
|New York City, NY||$1,461|
|Los Angeles, CA||$1,584|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$60|
|5-yr Claim Free||$59|
|Paid in Full/EFT||$36|
Discounts are estimated and may not be available from every company or in every state.