Chevrolet Impala Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 27, 2022

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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 $1,038 a year for full coverage. Comprehensive costs on average $158 a year, collision costs $244, and liability insurance costs $478. A liability-only policy costs as little as $526 a year, with high-risk insurance costing around $2,246. Teen drivers receive the highest rates at $4,198 a year or more.

Average premium for full coverage: $1,038

Rate estimates by individual coverage type:

Comprehensive $158
Collision $244
Liability $478

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Impala trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $526 for only liability insurance to a high of $2,246 for a high risk driver.

Liability Only $526
Full Coverage $1,038
High Risk $2,246

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $779
Small Cities $1,090
Large Cities $1,401

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Chevrolet Impala insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $623
  • Drivers who choose higher $1,000 deductibles will pay around $946 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,038
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,214
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,246 or more
  • The cost for full coverage for a teen driver may cost $4,198 a year

View Chart as Image

Chevrolet Impala insurance cost comparison chart
Column chart showing full coverage Chevrolet Impala insurance rates range from $623 to $4,198

for a Chevrolet Impala can also vary considerably based on your driver profile, the trim level of your Impala, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,100 a year. View Rates by Age

Where you live makes a big difference in Chevrolet Impala insurance rates. A 40-year-old driver could pay as low as $690 a year in states like Idaho, Maine, and Iowa, or as much as $1,480 on average in Michigan, Louisiana, and New York.

Chevrolet Impala Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $940 -$98 -9.4%
Alaska $796 -$242 -23.3%
Arizona $862 -$176 -17.0%
Arkansas $1,038 -$0 0.0%
California $1,182 $144 13.9%
Colorado $992 -$46 -4.4%
Connecticut $1,068 $30 2.9%
Delaware $1,176 $138 13.3%
Florida $1,298 $260 25.0%
Georgia $956 -$82 -7.9%
Hawaii $744 -$294 -28.3%
Idaho $702 -$336 -32.4%
Illinois $774 -$264 -25.4%
Indiana $782 -$256 -24.7%
Iowa $700 -$338 -32.6%
Kansas $986 -$52 -5.0%
Kentucky $1,416 $378 36.4%
Louisiana $1,536 $498 48.0%
Maine $640 -$398 -38.3%
Maryland $854 -$184 -17.7%
Massachusetts $830 -$208 -20.0%
Michigan $1,804 $766 73.8%
Minnesota $868 -$170 -16.4%
Mississippi $1,244 $206 19.8%
Missouri $920 -$118 -11.4%
Montana $1,116 $78 7.5%
Nebraska $820 -$218 -21.0%
Nevada $1,244 $206 19.8%
New Hampshire $748 -$290 -27.9%
New Jersey $1,162 $124 11.9%
New Mexico $918 -$120 -11.6%
New York $1,094 $56 5.4%
North Carolina $598 -$440 -42.4%
North Dakota $850 -$188 -18.1%
Ohio $718 -$320 -30.8%
Oklahoma $1,066 $28 2.7%
Oregon $950 -$88 -8.5%
Pennsylvania $992 -$46 -4.4%
Rhode Island $1,384 $346 33.3%
South Carolina $940 -$98 -9.4%
South Dakota $876 -$162 -15.6%
Tennessee $908 -$130 -12.5%
Texas $1,252 $214 20.6%
Utah $770 -$268 -25.8%
Vermont $710 -$328 -31.6%
Virginia $622 -$416 -40.1%
Washington $802 -$236 -22.7%
West Virginia $950 -$88 -8.5%
Wisconsin $718 -$320 -30.8%
Wyoming $926 -$112 -10.8%

View Chart as Image

Chevrolet Impala insurance rates by U.S. city

Choosing high deductibles could save up to $270 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $430 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,200 to $1,800 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 128% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Chevrolet Impala Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Chevrolet Impala LS $1,014 $85
Chevrolet Impala LT $1,038 $87
Chevrolet Impala LTZ $1,082 $90

Rates assume 2009 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.

Chevrolet Impala Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Chevrolet Impala $256 $506 $398 $1,318
2019 Chevrolet Impala $248 $494 $416 $1,316
2018 Chevrolet Impala $240 $474 $430 $1,302
2017 Chevrolet Impala $226 $458 $442 $1,284
2016 Chevrolet Impala $218 $424 $452 $1,252
2015 Chevrolet Impala $208 $400 $456 $1,222
2014 Chevrolet Impala $200 $358 $460 $1,176
2013 Chevrolet Impala $188 $330 $460 $1,136
2012 Chevrolet Impala $180 $310 $464 $1,112
2011 Chevrolet Impala $176 $288 $474 $1,096
2010 Chevrolet Impala $164 $268 $474 $1,064
2009 Chevrolet Impala $158 $244 $478 $1,038
2008 Chevrolet Impala $148 $222 $474 $1,002
2007 Chevrolet Impala $140 $202 $474 $974
2006 Chevrolet Impala $134 $182 $468 $942
2005 Chevrolet Impala $132 $178 $460 $928
2004 Chevrolet Impala $130 $168 $452 $908
2003 Chevrolet Impala $120 $160 $446 $884
2002 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 Cheaper Chevrolet Impala Insurance

Saving money on Chevrolet Impala insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $275 each year
  • Drivers can save as much as $120 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $530 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $350 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,210 more each year for insurance

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.

Rates by Driver Age

Chevrolet Impala Insurance Rates by Driver Age
Driver Age Premium
16 $4,198
20 $2,392
30 $1,056
40 $1,038
50 $954
60 $934

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Impala Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,214
$250 $1,134
$500 $1,038
$1,000 $946

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Impala Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,038
50/100 $1,178
100/300 $1,297
250/500 $1,608
100 CSL $1,225
300 CSL $1,488
500 CSL $1,680

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Impala Insurance Rates for High Risk Drivers
Age Premium
16 $5,920
20 $3,816
30 $2,264
40 $2,246
50 $2,148
60 $2,126

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.

SR-22 Surcharge $142

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $53
Multi-vehicle $57
Homeowner $18
5-yr Accident Free $65
5-yr Claim Free $66
Paid in Full/EFT $39
Advance Quote $47
Online Quote $70
Total Discounts $415
Rate after discounts $623

Discounts are estimated and may not be available from every company or in every state.

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