Chevrolet Impala Insurance Rates

Shopping around for Chevy Impala insurance quotes doesn’t have to take all of your time or cause you any sort of frustration. You should know that the average Chevrolet Impala insurance rates comes to $1,342 a year, which is broken down into a $112 monthly insurance bill.

There are a variety of individual factors that influence how much insurance for a Chevrolet Impala costs, such as the age and location of the driver. We will explore details about how these rates are calculated so you can start researching companies with an expert eye.

Once you’re ready, start comparing Chevy Impala insurance cost by using our free online tool.

The average insurance rates for a Chevrolet Impala are $1,284 a year with full coverage. Comprehensive insurance costs on average $226, collision costs $458, and liability coverage is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing $2,800 or more. Teens cost the most to insure at $4,972 a year or more.

Average premium for full coverage: $1,284

Policy rates by type of insurance:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all Impala models.

Price Range Variability

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 lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why everyone should compare rates quotes based on a specific location, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $740
• Raising to $1,000 deductibles will save around $156 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,284
• Selecting pricier low deductibles will cost an additional $304 each year
• Unlucky drivers with serious driving violations could pay upwards of $2,800 or more
• Policy cost that insures a teenage driver for full coverage may cost $4,972

View Chart as Image

Car insurance rates for a Chevrolet Impala also range considerably based on the model of your Impala, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. Chevrolet Impala insurance for high-risk drivers is expensive and can cost around 42% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age

Your home state also has a big influence on Chevrolet Impala insurance rates. A middle-age driver might find rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $460 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheaper Chevrolet Impala Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare rates once a year by requesting quotes from direct companies, and also from several local insurance agents.

The next list is a condensed summary of the data that was presented in the illustrations above.

• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Consumers who require increased levels of liability coverage will pay approximately $490 every year to raise from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, as much as $414 each month if full coverage is purchased
• Drivers with multiple at-fault accidents pay on average $1,520 more each year to buy Chevrolet Impala insurance

By now you should have a better understanding of just how many moving parts are in play for finding cheap Impala insurance rates, such as the model year of the vehicle. For example, the cost of a 2014 Chevy Impala is less than the cost of a 2016 Chevy Impala.

Regardless of which model year you have, use our free online tool below to start comparing Chevy Impala insurance quotes from multiple companies.

 

What are the safety ratings of the Chevrolet Impala?

When quoting a driver, insurance companies will look at the Chevrolet Impala safety features and ratings of the model you drive in order to determine the risk of injury to you as well as the risk of damage to your car.

Take a look at the following safety ratings of the Chevrolet Impala with crash test results conducted by the Insurance Institute for Highway Safety (IIHS).

• Small overlap front (driver-side): Acceptable
• Small overlap front (passenger-side): N/R
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

These scores indicate that the Chevy Impala received the highest mark possible in each category with the exception of the small overlap on the driver’s side.

Chevrolet Impala Compared Against Other Vehicles in the Same Class

The IIHS classifies the Chevy Impala as a large four-door car. This is important to know because insurance companies will examine how safe the Impala is compared to the competition.

If you are curious to know how the Chevrolet Impala stacks up to other similar models, take a look at the following large sedans.

• Chrysler 300
• Dodge Charger
• Toyota Avalon

Ultimately, the IIHS reports that the Chevy Impala has a bodily injury loss percentage of 22 percent and a property damage loss percentage of 7 percent. Both of these figures are a bit higher than the average for this vehicle class but that doesn’t necessarily mean that insurance rates will go up as a result.

Now that we have gone into great detail about Chevrolet Impala costs as it relates to insurance, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Chevy Impala quotes from top companies today.