Chevrolet Impala Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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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.

U.S. average insurance rates for a Chevrolet Impala are $1,302 a year for full coverage insurance. Comprehensive costs an estimated $240 a year, collision costs $474, and liability costs around $430. Buying just liability costs as low as $486 a year, with insurance for high-risk drivers costing around $2,830. 16-year-old drivers pay the highest rates at $4,994 a year or more.

Average premium for full coverage: $1,302

Price estimates broken down by individual coverage:

Comprehensive $240
Collision $474
Liability $430

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Impala trim levels.

Price Range from Low to High

For a 40-year-old driver, Chevrolet Impala insurance prices go from as low as $486 for your basic liability-only policy to a high of $2,830 for a high-risk insurance policy.

Liability Only $486
Full Coverage $1,302
High Risk $2,830

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than congested cities.

The diagram below illustrates how your location can change insurance prices.

Rural Areas $977
Small Cities $1,367
Large Cities $1,758

The ranges above illustrate why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on 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 Information

The chart below illustrates estimated Chevrolet Impala insurance rates for other coverage scenarios.

  • The best full coverage rate is $750
  • Using higher $1,000 deductibles will save approximately $1,140 each year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,302
  • Buying low $100 deductibles for physical damage coverage will increase the cost to $1,618
  • High-risk insureds with multiple tickets or accidents could pay up to $2,830 or more
  • The price for full coverage for a 16-year-old driver can cost as much as $4,994 or more

View Chart as Image

Chevrolet Impala insurance cost comparison chart
Column chart showing full coverage Chevrolet Impala insurance rates range from $750 to $4,994

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

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

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

Chevrolet Impala Insurance Rates by State
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%

View Chart as Image

Chevrolet Impala insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $480 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,600 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy can be from 44% to 137% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and prices may be quite 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 $1,262 $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.

Chevrolet Impala Insurance Rates by Model Year
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 More Affordable Chevrolet Impala Insurance

Getting lower rates on insurance for a Chevrolet Impala requires avoiding accidents and claims, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to shop around at least every other year by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a summary of the car insurance concepts illustrated above.

  • Drivers considered higher risk who have multiple accidents or major violations pay on average $1,530 more annually to insure a Chevrolet Impala
  • It is possible to save approximately $160 per year simply by quoting early and online
  • Increasing physical damage deductibles can save around $475 each year
  • Insureds who want increased liability limits will pay around $470 annually to increase from a low limit to 250/500 limits

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 $4,994
20 $3,030
30 $1,348
40 $1,302
50 $1,192
60 $1,168

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Impala Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,470
$500 $1,302
$1,000 $1,140

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Impala Insurance Rates with Different Liability Limits
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

Chevrolet Impala Insurance 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.

SR-22 Surcharge $184

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
Rate after discounts $750

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

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