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.

U.S. average auto insurance rates for a Chevrolet Impala are $1,284 annually with full coverage. Comprehensive insurance costs approximately $226 a year, collision costs $458, and liability insurance is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing $2,800 or more. Teens pay the highest rates at $4,972 a year or more.

Average premium for full coverage: $1,284

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Impala trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion.

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

The ranges above demonstrate why it is important to get quotes using their 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.

Additional Charts and Tables

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

• The cheapest rate after discounts is $740
• Choosing higher $1,000 deductibles can save $1,128 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,284
• Selecting low $100 deductibles for comp and collision coverage costs an additional $304 a year
• High-risk insureds with serious driving violations could pay around $2,800 or more
• The price with full coverage for a teen driver can cost $4,972 each year

View Chart as Image

Insurance prices for a Chevrolet Impala are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $460 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Each auto insurer calculates prices differently, and prices may be quite 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 Low Cost Chevrolet Impala Insurance

Getting lower rates on Chevrolet Impala insurance takes avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every couple of years by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a review of the material that was covered in the above illustrations.

• Drivers who purchase higher liability limits will pay approximately $490 every year to raise limits from a low limit to higher 250/500 limits
• Teenagers are the costliest to insure, costing up to $414 a month if they have full coverage
• High-risk drivers who have several accidents or serious violations may pay on average $1,520 more per year for car insurance
• Increasing physical damage deductibles could save up to $450 each year

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.