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.

Estimated insurance rates for a Chevrolet Impala are $1,284 a year for full coverage. Comprehensive costs on average $226 a year, collision costs $458, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $2,800. Teenage drivers pay the most at $4,972 a year or more.

Average premium for full coverage: $1,284

Premium estimates by type of coverage:

Includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Impala trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

These rate differences show why it is important to compare rates based on a specific location and risk profile, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $740
• Drivers who choose higher $1,000 deductibles will pay around $1,128 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,284
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,588
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,800 or more
• An auto insurance policy for full coverage for a teenage driver may cost $4,972 a year

View Chart as Image

Insurance prices for a Chevrolet Impala also have a wide range based on your driving characteristics, the trim level of your Impala, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Chevrolet Impala insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $460 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see how they stack up. Every company uses a different method to calculate prices, and prices will be substantially different from one company to the next.

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 the Cheapest Chevrolet Impala Insurance

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The points below are a recap of the car insurance concepts covered in the charts and tables above.

• Drivers that have major violations or accidents will pay on average $1,520 more each year to insure a Chevrolet Impala
• Drivers can save as much as $150 per year simply by quoting early and online
• Increasing policy deductibles can save around $450 each year
• Consumers who require increased liability limits will pay an extra $490 each year to go from 30/60 bodily injury limits to 250/500 limits

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.