Chevrolet Impala Insurance Rates
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UPDATED: Jul 22, 2024
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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 insurance rates for a Chevrolet Impala are $1,302 a year with full coverage. Comprehensive insurance costs approximately $240, collision costs $474, and liability is $430. Buying just liability costs around $486 a year, with insurance for high-risk drivers costing $2,830 or more. 16-year-old drivers receive the highest rates at $4,994 a year or more.
Average premium for full coverage: $1,302
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Impala models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $486 for just liability insurance to the much higher price of $2,830 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than congested cities.
The example below illustrates how geographic area affects auto insurance prices.
These examples demonstrate why everyone should compare rates quotes using their specific location and risk profile, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below details estimated Chevrolet Impala insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $750
- Raising to $1,000 deductibles will save $162 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,302
- Buying pricier low deductibles will cost an extra $316 every year
- At-risk drivers with multiple tickets or accidents could pay around $2,830 or more
- The cost for full coverage for a teen driver for full coverage can cost $4,994
Auto insurance rates for a Chevrolet Impala can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age
Where you live also has a big influence on Chevrolet Impala insurance prices. A middle-age driver might find rates as low as $940 a year in states like Utah, Ohio, and New Hampshire, or at least $1,760 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,176 | -$126 | -9.7% |
| Alaska | $1,000 | -$302 | -23.2% |
| Arizona | $1,080 | -$222 | -17.1% |
| Arkansas | $1,302 | -$0 | 0.0% |
| California | $1,482 | $180 | 13.8% |
| Colorado | $1,242 | -$60 | -4.6% |
| Connecticut | $1,338 | $36 | 2.8% |
| Delaware | $1,472 | $170 | 13.1% |
| Florida | $1,626 | $324 | 24.9% |
| Georgia | $1,200 | -$102 | -7.8% |
| Hawaii | $934 | -$368 | -28.3% |
| Idaho | $880 | -$422 | -32.4% |
| Illinois | $970 | -$332 | -25.5% |
| Indiana | $980 | -$322 | -24.7% |
| Iowa | $878 | -$424 | -32.6% |
| Kansas | $1,238 | -$64 | -4.9% |
| Kentucky | $1,774 | $472 | 36.3% |
| Louisiana | $1,926 | $624 | 47.9% |
| Maine | $802 | -$500 | -38.4% |
| Maryland | $1,074 | -$228 | -17.5% |
| Massachusetts | $1,042 | -$260 | -20.0% |
| Michigan | $2,262 | $960 | 73.7% |
| Minnesota | $1,088 | -$214 | -16.4% |
| Mississippi | $1,558 | $256 | 19.7% |
| Missouri | $1,154 | -$148 | -11.4% |
| Montana | $1,400 | $98 | 7.5% |
| Nebraska | $1,026 | -$276 | -21.2% |
| Nevada | $1,558 | $256 | 19.7% |
| New Hampshire | $938 | -$364 | -28.0% |
| New Jersey | $1,456 | $154 | 11.8% |
| New Mexico | $1,152 | -$150 | -11.5% |
| New York | $1,370 | $68 | 5.2% |
| North Carolina | $750 | -$552 | -42.4% |
| North Dakota | $1,066 | -$236 | -18.1% |
| Ohio | $900 | -$402 | -30.9% |
| Oklahoma | $1,336 | $34 | 2.6% |
| Oregon | $1,192 | -$110 | -8.4% |
| Pennsylvania | $1,242 | -$60 | -4.6% |
| Rhode Island | $1,734 | $432 | 33.2% |
| South Carolina | $1,178 | -$124 | -9.5% |
| South Dakota | $1,098 | -$204 | -15.7% |
| Tennessee | $1,140 | -$162 | -12.4% |
| Texas | $1,568 | $266 | 20.4% |
| Utah | $962 | -$340 | -26.1% |
| Vermont | $892 | -$410 | -31.5% |
| Virginia | $780 | -$522 | -40.1% |
| Washington | $1,006 | -$296 | -22.7% |
| West Virginia | $1,192 | -$110 | -8.4% |
| Wisconsin | $902 | -$400 | -30.7% |
| Wyoming | $1,158 | -$144 | -11.1% |
Opting for high physical damage deductibles can reduce rates by up to $480 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $387 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. Chevrolet Impala insurance for high-risk drivers is expensive and can cost as much as 44% to 137% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Impala LS | $1,262 | $105 |
| Chevrolet Impala LT | $1,302 | $109 |
| Chevrolet Impala LTZ | $1,380 | $115 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Chevrolet Impala | $240 | $474 | $430 | $1,302 |
| 2019 Chevrolet Impala | $226 | $458 | $442 | $1,284 |
| 2018 Chevrolet Impala | $218 | $424 | $452 | $1,252 |
| 2017 Chevrolet Impala | $208 | $400 | $456 | $1,222 |
| 2016 Chevrolet Impala | $200 | $358 | $460 | $1,176 |
| 2015 Chevrolet Impala | $188 | $330 | $460 | $1,136 |
| 2014 Chevrolet Impala | $180 | $310 | $464 | $1,112 |
| 2013 Chevrolet Impala | $176 | $288 | $474 | $1,096 |
| 2012 Chevrolet Impala | $164 | $268 | $474 | $1,064 |
| 2011 Chevrolet Impala | $158 | $244 | $478 | $1,038 |
| 2010 Chevrolet Impala | $148 | $222 | $474 | $1,002 |
| 2009 Chevrolet Impala | $140 | $202 | $474 | $974 |
| 2008 Chevrolet Impala | $134 | $182 | $468 | $942 |
| 2007 Chevrolet Impala | $132 | $178 | $460 | $928 |
| 2006 Chevrolet Impala | $130 | $168 | $452 | $908 |
| 2005 Chevrolet Impala | $120 | $160 | $446 | $884 |
| 2004 Chevrolet Impala | $116 | $152 | $442 | $868 |
Rates are averaged for all Chevrolet Impala models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Chevrolet Impala Insurance
Saving money on car insurance consists of being a good driver, having good credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates every year by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
The following list is a quick review of the coverage data presented in the illustrations above.
- You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $475 each year
- Drivers age 16 to 20 have the highest car insurance rates, with premiums as much as $416 per month if they have full coverage
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,530 more per year than a safer driver
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,994 |
| 20 | $3,030 |
| 30 | $1,348 |
| 40 | $1,302 |
| 50 | $1,192 |
| 60 | $1,168 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,618 |
| $250 | $1,470 |
| $500 | $1,302 |
| $1,000 | $1,140 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,302 |
| 50/100 | $1,466 |
| 100/300 | $1,574 |
| 250/500 | $1,853 |
| 100 CSL | $1,509 |
| 300 CSL | $1,746 |
| 500 CSL | $1,918 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,108 |
| 20 | $4,828 |
| 30 | $2,882 |
| 40 | $2,830 |
| 50 | $2,706 |
| 60 | $2,682 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $95 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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