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 including full coverage. Comprehensive costs approximately $226 a 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 pay the most at $4,972 a year or more.

Average premium for full coverage: $1,284

Premium estimates by type of coverage:

Rate estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Impala trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These rate differences highlight why it is important to get quotes using their specific location, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below breaks down estimated Chevrolet Impala insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $740
• Choosing higher $1,000 deductibles can save $1,128 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,284
• Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $1,588
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,800 or more
• An auto insurance policy that insures a 16-year-old driver can cost $4,972 each year

View Chart as Image

Auto insurance prices for a Chevrolet Impala also have a wide range based on the trim level of your Impala, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 130% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Chevrolet Impala insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $460 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.

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 Best Chevrolet Impala Insurance

Finding better rates on insurance for a Chevrolet Impala takes being a safe and courteous driver, maintaining a good credit score, refrain from filing small claims, and not having any coverage lapses. Shop around at least once a year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a brief recap of the primary concepts that were covered in the above illustrations.

• You may be able to save around $150 per year simply by quoting early and online
• Drivers considered higher risk who tend to receive serious violations will likely pay on average $1,520 more per year for auto insurance
• Increasing policy deductibles can save approximately $450 each year
• Teenage drivers have the highest car insurance prices, with the cost nearing $414 per month if the policy includes full coverage

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.