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 insurance rates for a Chevrolet Impala are $1,302 a year for full coverage insurance. Comprehensive insurance costs on average $240, collision costs $474, and liability coverage costs around $430. A policy with just liability insurance costs as low as $486 a year, with coverage for high-risk drivers costing $2,830 or more. Teens pay the highest rates at $4,994 a year or more.

Average premium for full coverage: $1,302

Price estimates by individual coverage:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different Impala trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $750
• Using higher $1,000 deductibles will save around $162 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,302
• Selecting more expensive low deductibles for physical damage coverage will cost an additional $316 each year
• Higher-risk drivers with serious driving violations could pay upwards of $2,830 or more
• The price that insures a teenage driver with full coverage may cost $4,994 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be around 44% to 137% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,900 a year. View Rates by Age

The state you live in has a huge impact on Chevrolet Impala insurance rates. A driver around age 40 might see prices as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,760 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $480 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Each insurance company calculates prices differently, so the prices may be quite 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 Low Cost Chevrolet Impala Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and bundling your home and auto policies. Compare rates every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following is a review of the information presented in the illustrations above.

• It is possible to save as much as $160 per year simply by shopping early and online
• Teens pay the highest prices, as much as $416 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $475 each year
• Drivers who have several accidents or serious violations may pay on average $1,530 more each year for Impala insurance
• Consumers who require higher liability limits will pay approximately $470 annually to increase from a low limit to the 250/500 level

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.