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 insurance costs around $226 a year, collision costs $458, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $2,800 or more. 16-year-old drivers receive the highest rates at $4,972 a year or more.

Average premium for full coverage: $1,284

Rate estimates for individual coverage type:

Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Impala trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities.

The diagram below illustrates how location impacts auto insurance rates.

These examples demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, rather than using rate averages.

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

Rate Comparisons

The chart below details estimated Chevrolet Impala insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $740
• Using higher $1,000 deductibles will save about $1,128 annually
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,284
• Buying low $100 deductibles for physical damage coverage costs an additional $304 each year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,800 or more
• The cost with full coverage for a teenage driver can be $4,972 or more

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $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 at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be around 42% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $460 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Chevrolet Impala insurance rates. A driver around age 40 might see rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out your exact price is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes 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 the Best Chevrolet Impala Insurance

Saving money on auto insurance requires having a good driving record, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around at every other renewal by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a brief recap of the concepts that were touched on above.

• Drivers who tend to receive serious violations may pay on average $1,520 more every year to buy Chevrolet Impala insurance
• Drivers age 20 and younger are the costliest to insure, with premiums as much as $414 per month if comprehensive and collision insurance is included
• You may be able to save up to $150 per year simply by quoting early and online
• Increasing deductibles could save up to $450 each year
• You may be able to save up to $150 per year simply by quoting early and online

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.