Chevrolet Captiva Sport Insurance Rates

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UPDATED: Apr 12, 2024

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The average auto insurance rates for a Chevrolet Captiva Sport are $1,080 annually with full coverage. Comprehensive insurance costs on average $194 a year, collision costs $254, and liability coverage is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $2,320 or more. Teenage drivers cost the most to insure at $4,274 a year or more.

Average premium for full coverage: $1,080

Policy rates by type of insurance:

Comprehensive $194
Collision $254
Liability $474

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Captiva Sport trim levels.

Price Range Variability

For the average driver, Chevrolet Captiva Sport insurance rates go from as cheap as $522 for basic liability insurance to a high of $2,320 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,080
High Risk $2,320

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates how location impacts car insurance rates.

Rural Areas $810
Small Cities $1,134
Large Cities $1,458

The examples above demonstrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than using average rates.

Use the form below to get customized rates for your location.

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

Rate Comparisons

The chart below details estimated Chevrolet Captiva Sport insurance rates for different risk profiles and scenarios.

  • The best discount rate is $651
  • Raising to $1,000 deductibles will save around $976 annually
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,080
  • Using low $100 deductibles costs an additional $192 each year
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $2,320 or more
  • Policy cost with full coverage for a teenage driver may cost $4,274

Auto insurance rates for a Chevrolet Captiva Sport also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $4,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,300 to $1,800 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $300 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Chevrolet Captiva Sport insurance rates. A middle-age driver might find rates as low as $780 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,460 on average in Florida, Michigan, and New York.

Chevrolet Captiva Sport Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $976 -$104 -9.6%
Alaska $828 -$252 -23.3%
Arizona $896 -$184 -17.0%
Arkansas $1,080 -$0 0.0%
California $1,230 $150 13.9%
Colorado $1,032 -$48 -4.4%
Connecticut $1,110 $30 2.8%
Delaware $1,222 $142 13.1%
Florida $1,352 $272 25.2%
Georgia $996 -$84 -7.8%
Hawaii $774 -$306 -28.3%
Idaho $728 -$352 -32.6%
Illinois $804 -$276 -25.6%
Indiana $812 -$268 -24.8%
Iowa $728 -$352 -32.6%
Kansas $1,028 -$52 -4.8%
Kentucky $1,474 $394 36.5%
Louisiana $1,598 $518 48.0%
Maine $668 -$412 -38.1%
Maryland $890 -$190 -17.6%
Massachusetts $864 -$216 -20.0%
Michigan $1,876 $796 73.7%
Minnesota $904 -$176 -16.3%
Mississippi $1,294 $214 19.8%
Missouri $958 -$122 -11.3%
Montana $1,160 $80 7.4%
Nebraska $850 -$230 -21.3%
Nevada $1,296 $216 20.0%
New Hampshire $778 -$302 -28.0%
New Jersey $1,206 $126 11.7%
New Mexico $958 -$122 -11.3%
New York $1,138 $58 5.4%
North Carolina $622 -$458 -42.4%
North Dakota $884 -$196 -18.1%
Ohio $746 -$334 -30.9%
Oklahoma $1,110 $30 2.8%
Oregon $990 -$90 -8.3%
Pennsylvania $1,030 -$50 -4.6%
Rhode Island $1,440 $360 33.3%
South Carolina $978 -$102 -9.4%
South Dakota $912 -$168 -15.6%
Tennessee $946 -$134 -12.4%
Texas $1,300 $220 20.4%
Utah $800 -$280 -25.9%
Vermont $740 -$340 -31.5%
Virginia $646 -$434 -40.2%
Washington $836 -$244 -22.6%
West Virginia $990 -$90 -8.3%
Wisconsin $748 -$332 -30.7%
Wyoming $962 -$118 -10.9%

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.

Chevrolet Captiva Sport Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Chevrolet Captiva Sport $194 $254 $474 $1,080
2012 Chevrolet Captiva Sport $162 $196 $474 $990

Rates are averaged for all Chevrolet Captiva Sport models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Affordable Chevrolet Captiva Sport Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having above-average credit, not filing small claims, and taking advantage of discounts. Spend time shopping around every other policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a brief review of the ideas that were touched on above.

  • Drivers age 16 to 20 are charged the highest rates, as much as $356 each month if full coverage is included
  • Drivers with DUI or reckless driving convictions pay an average of $1,240 more each year than a safer driver
  • Increasing comprehensive and collision deductibles could save up to $300 each year
  • You may be able to save as much as $120 per year simply by quoting early and online

Rates by Driver Age

Chevrolet Captiva Sport Insurance Rates by Driver Age
Driver Age Premium
16 $4,274
20 $2,460
30 $1,102
40 $1,080
50 $990
60 $970

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Captiva Sport Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,272
$250 $1,186
$500 $1,080
$1,000 $976

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Captiva Sport Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,080
50/100 $1,175
100/300 $1,293
250/500 $1,601
100 CSL $1,222
300 CSL $1,483
500 CSL $1,673

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Captiva Sport Insurance Rates for High Risk Drivers
Age Premium
16 $6,034
20 $3,922
30 $2,344
40 $2,320
50 $2,218
60 $2,194

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 $144

Potential Rate Discounts

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

Discount Savings
Multi-policy $55
Multi-vehicle $58
Homeowner $19
5-yr Accident Free $67
5-yr Claim Free $68
Paid in Full/EFT $40
Advance Quote $48
Online Quote $74
Total Discounts $429
Rate after discounts $651

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

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