Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Sep 29, 2020

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Are you the proud owner of a fun, quirky Chrysler PT Cruiser? Then you’re probably looking for a more affordable price on your Chrysler PT Cruiser auto insurance rates. And, frankly, we think you deserve one.

That’s why our insurance experts created this site – to help people like you find a more affordable rate on their insurance coverage which won’t break their budget. We’ll provide you with the tips, tricks, and strategies you need to find a more affordable rate.

A Brief History of the Chrysler PT Cruiser

The Chrysler PT Cruiser was one of the few MPVs – multi-purpose vehicles – ever produced for American drivers. It was in production for a decade, with the first models selling in 2001. The origin of the vehicle’s name is actually tight-lipped secret within the company.

Its development nickname was “Plymouth Truck”, because the original plan was to achieve truck certification according to the NHTSA standard at the time. At some point in the development process, though, plans obviously changed. But the decision makers at Chrysler decided to keep the PT because…well, why not?

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Chrysler PT Cruiser in the News

Despite the popularity of the PT Cruiser, the vehicle was plagued with safety issues from the start. Back in 2002, Europe’s NCAP only gave the vehicle 3 out of a possible five stars. It only earned six points out of a 16-point inspection in its frontal impact test, but earned higher scores in the side impact test.

For context, the low frontal impact scores have a little bit more to do with cultural differences than safety concerns; in Europe, drivers and passengers are legally required to wear a seatbelt at all times, which has a small but decisive impact on how safety ratings are calculated.

In North America, especially in the United States, there are some parts of the country where the freedom to choose whether or not you wear a safety belt is more important than driver and passenger safety – hence the addition of knee adjacent cushioning which, while it may protect someone who is not safely belted in, could also create a safety issue for someone trying to protect themselves by wearing their seatbelt.

Comparing Chrysler PT Cruiser Auto Insurance Coverage

If you’re not a big traveler, then you may be surprised to learn that there are huge differences between what you might be paying for your car insurance right now, and what someone might be paying for their auto policy in the next state over.

Heck, there may be a wildly different price between you and someone driving an identical vehicle in the next city over. Auto insurance rates are largely calculated based on location, and the driving conditions in your immediate area will tell your insurance company a lot about how safe it is for you to be on the road.

Chrysler PT Cruiser Car Insurance by State Legend: Chrysler PT Cruiser Pennsylvania South Carolina North Carolina Illinois Ohio 10 20 30 40 50 60 70 80 90 100 110 120 130 $134 $125 $130 $70 $82


Of course, even if you nail down the average price for insurance coverage in your own zip code, you’re still going to have trouble finding an insurance company who agrees with that number.

Insurance companies have their own unique ways of evaluating risk, which is how they decide what to charge you – or if they think you are a safe investment in the first place. That’s why websites like ours exist. We help people like you find affordable quotes in your area from the best possible providers you could purchase your coverage from.

Chrysler PT Cruiser Auto Insurance by Company Legend: Chrysler PT Cruiser Plymouth Rock Safe Auto Liberty Mutual The General State Farm 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 $57 $88 $131 $160 $129


Another important factor which makes a huge difference in your auto insurance premiums is age. An older vehicle like the PT Cruiser might seem like a tempting buy for a young driver to earn their training wheels with.

Its fun exterior appearance may also be popular with young drivers who don’t mind learning the rules of the road in a used vehicle. However, this doesn’t mean that they won’t suffer the notoriously high car insurance premiums that drivers under the age of 25 usually pay.

In many areas, a young driver with a PT Cruiser can actually get away with a relatively affordable rate. Unfortunately, that isn’t true everywhere, or with every company.

Younger vs. Older Drivers Legend: Young Driver Adult Driver Plymouth Rock Safe Auto Liberty Mutual The General State Farm 25 50 75 100 125 150 175 200 225 250 275 300 325 350 $134 $57 $213 $88 $246 $131 $358 $160 $219 $129


It’s one thing to wait a few years to gain driving experience, to see speeding tickets and traffic violations disappear from your record, or just save up the money necessary to purchase a new vehicle that is safer and cheaper to insure.

But should you really have to pay higher insurance rates in the meantime? We don’t think so. And we are almost certain you can find a better deal if you use our quote generator right now.

Most of the people who visit this page discover reliable providers near them willing to offer comparable insurance policies at 26% less than what they’re currently paying. You could save that much money or more if you start shopping right now!

See also: Chrysler – Dodge | Chrysler – Jeep | Chrysler Car Insurance