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.

Average auto insurance rates for a Chevrolet Impala are $1,284 annually with full coverage. Comprehensive costs an estimated $226 each year, collision costs $458, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing around $2,800. Teen drivers receive the highest rates at $4,972 a year or more.

Average premium for full coverage: $1,284

Rate estimates broken down by individual coverage type:

Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Impala models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than larger metro areas.

The graphic below illustrates how where you live affects insurance prices.

These examples demonstrate why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

The chart below details estimated Chevrolet Impala insurance rates for other coverage scenarios.

• The lowest rate with discounts is $740
• Choosing higher $1,000 deductibles can save approximately $156 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,284
• Choosing low deductibles for comp and collision coverage will cost $1,588
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,800 or more
• The cost with full coverage for a teen driver can cost as much as $4,972 each year

View Chart as Image

Insurance rates for a Chevrolet Impala can also vary considerably based on the trim level of your Impala, your driving record, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $460 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Chevrolet Impala insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates can be significantly different between companies.

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 Cheaper Chevrolet Impala Insurance

Saving money on car insurance takes being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at least every other year by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a condensed summary of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with multiple at-fault accidents pay on average $1,520 more annually to insure their Impala
• You may be able to save approximately $150 per year simply by quoting online in advance
• Increasing deductibles could save up to $450 each year
• Policyholders who want more liability coverage will pay about $490 every year to raise limits from a minimum limit to higher 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.