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Car Insurance Quotes for the Chevrolet S-10

Are You Getting the Cheapest Car Insurance Available for a Chevrolet S-10?

Illustration of Chevrolet S10

How Much Is Car Insurance for the Chevrolet S-10?

Chevrolet stopped manufacturing its S-10 compact pickup in 2012. That doesn’t mean no one drives it anymore — a lot of drivers still do. The newest S-10 is more than a decade old, and annual premiums for it stand at $936 for minimum liability coverage and $1,608 for full coverage auto insurance. These premiums are much cheaper than those of newer pickups.

Freeway Insurance offers affordable auto coverage packages that fit your needs and budget. Our agents are ready to help you find the best policy for your S-10 at the best possible rate.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for the Chevrolet S-10 to Other Vehicles

Annual premiums for an S-10 are cheaper than similarly sized trucks, with the Ford Ranger coming closest — costing around $36 more to insure, by comparison. Unlike the other trucks on this list, the S-10 isn’t produced anymore, making parts likely harder to find. Here’s how the S-10’s average full coverage premium stacks up against other pickups.

Make/Model Annual Full Coverage Insurance
Chevrolet S-10 $1,608
GMC Canyon $1,776
Honda Ridgeline $1,788
Chevrolet Colorado $2,028
Ford Maverick $1,680
Jeep Gladiator $2,160
Toyota Tacoma $1,776
Nissan Frontier $1,740
Ford Ranger $1,644

Types of Car Insurance Coverage for the S-10

Insurers typically offer several insurance packages to drivers. Full coverage and state-required minimum liability are two options to consider when choosing your car insurance policy.

A full coverage policy includes liability, collision, and comprehensive insurance. This protects you financially if you cause a crash, if someone with no or not enough insurance crashes into you, or if your pickup is vandalized or damaged in a weather event.

A basic policy costs less than a full coverage one. That’s because this policy is designed to meet your state’s required auto insurance limits — that’s it.

If you crash your pickup and the other driver involved gets hurt, your policy will pay for their medical treatment and also cover their vehicle repairs up to a specific amount. If the cost of treatment and vehicle repairs exceeds your policy’s specified coverage amount, you’ll have to pay the remaining balances out of pocket.

Full Coverage

Full coverage policies combine liability protection with comprehensive and collision insurance, protecting you financially.

If you cause a crash, the liability portion takes care of any medical bills or damage claims filed by others involved but won’t cover any losses you experience. Your collision coverage will take care of that, and it will also protect you financially in any other type of crash, whether it’s with a car, an SUV, a commercial truck, or a neighbor’s fence.

Comprehensive takes care of damages that aren’t crash-related. If your S-10 gets vandalized, for example, or is damaged during a bad storm, comprehensive pays for your pickup’s repairs.

State Minimum Liability

A minimum liability policy meets your state’s auto insurance requirements. These types of policies ensure that every driver is held financially responsible if they cause a crash resulting in bodily injuries or property damage.

If you cause a crash and the injuries or damages exceed the specified amount, you have to pay the remaining balance out of pocket. You’ll also be paying for your own injuries and damages.

Requirements vary by state. Some states only set minimum thresholds to cover bodily injuries and property damage, such as 20/50/15 — usually meaning $20,000 if one person is hurt or injured, with up to $50,000 per accident, and $15,000 for property damage. Other states require additional coverage, like personal injury protection.

Some states, such as New York, require uninsured or underinsured motorist coverage (UM). This helps protect you if you are involved in a wreck caused by someone with no insurance or someone with not enough insurance to pay for your costs. Since there are many uninsured and underinsured drivers in the U.S., even if your state does not require UM, it’s inexpensive and will help immensely if you find yourself in a wreck with an uninsured driver.

Individual Factors That Influence Pricing for the Chevrolet S-10

Several factors influence how much you’ll pay to insure your car. Here’s a closer look at some of the most common ones.

Loss Probability

Crash statistics help insurers calculate loss probability. These statistics determine how often the same make and model of your compact pickup has crashed in the area where you live and drive. This includes the extent of damage this type of truck typically experiences.

Vehicle Safety Features and Ratings

Built-in safety features typically lower premiums, and so do ratings on how well these features perform in a crash. The S-10 never received a safety rating from the National Highway Traffic Safety Administration. Instead, the agency shows that several S-10 models were recalled several times, with the 2011 model year being investigated three times. This can have a negative effect on premiums.

Vehicle Age

The 2012 S-10 was the last model Chevy manufactured. That means the newest S-10 is more than a decade old, and it will likely cost more to repair because replacement parts are harder to find. Given its age, it also doesn’t have the same built-in safety features as newer trucks. These are some reasons why insuring older vehicles can be a bit more costly.

A metallic blue Chevrolet S-10 High Country.

What Are Some Car Insurance Discounts for the Chevy Trucks?

Safe drivers and those who bundle coverage typically get the best deals from insurers. If you have a clean driving record, for example, you could see your premium cut by 10% or more. If you bundle multi-policy coverage with your homeowners insurance, you’ll save more, possibly landing a rate cut of up to 25%.

You may be eligible for more than one discount, and if that’s the case, you’ll be able to save more on your premium. If you drive a Chevy S-10, you may be eligible for:

  • A 4% to 12% discount if you sign up for a policy after getting an online quote from the insurer.
  • An 8% to 25% multi-car discount if you insure more than one vehicle on the same policy.
  • Up to 15% off if you work in a specific occupation, like teaching, or are a former or current military service member.

Freeway Insurance can help you get the best coverage for your compact pickup at an affordable price. Contact us today or get an online quote, and we can get you on the road with a great rate.

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What Are Some of the Characteristics of the Chevrolet S-10?

The first compact pickup produced by any of the Big Three automakers, the S-10 was rolled out in 1981, with Chevrolet introducing it as the “quarter-ton pickup” that would replace its LUV model.

General Motors — Chevy’s parent company — introduced a GMC version it named the S-15 (later renamed the GMC Sonoma). Apart from the grille, tailgate, and insignia, the S-10 and its GMC counterpart were identical. Through a corporate partnership with GM, Isuzu sold the S-10 as the Hombre, selling its version of the company pickup from 1996 through 2000. Together, these trucks are often referred to as the S-series.

The S-10 received upgrades to its chassis, engine, and interior over the years. It was discontinued in 2012 to make way for its replacement, the Chevrolet Colorado.

Find the Best Car Insurance Rates Online for the Chevrolet S-10 Today

A Freeway Insurance agent can help you find the best coverage plan for your compact pickup at an affordable rate. Contact us today to find auto coverage that suits your needs and budget.

We can hook you up with the cheapest coverage for your Chevrolet S-10, so you and your family are protected. Call us at (800) 777-5620, come get a fast and free quote for car insurance online, or stop by one of our locations.

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