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 auto insurance rates for a Chevrolet Impala are $1,284 annually including full coverage. Comprehensive insurance costs on average $226 each year, collision insurance costs $458, and liability insurance costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs $2,800 or more. Teens cost the most to insure at up to $4,972 a year.

Average premium for full coverage: $1,284

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Impala models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above highlight why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Information

The chart below breaks down average Chevrolet Impala insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $740
• Drivers who choose higher $1,000 deductibles will pay around $156 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,284
• Selecting low deductibles for comprehensive and collision insurance costs an additional $304 a year
• High risk drivers with serious driving violations could pay upwards of $2,800
• Policy cost with full coverage for a teen driver may cost $4,972 a year

View Chart as Image

Insurance rates for a Chevrolet Impala also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $460 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Chevrolet Impala insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Buy the Cheapest Chevrolet Impala Insurance

Finding cheaper rates on Chevrolet Impala insurance not only requires having a decent driving record, but also having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to compare rates at every other renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a recap of the concepts that were covered above.

• High-risk drivers that have major violations or accidents pay on average $1,520 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers pay higher rates, with premiums being up to $414 each month if they have full coverage
• You may be able to save as much as $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $450 each year
• You may be able to save as much as $150 per year just by quoting online in advance

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.