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 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.

The average auto insurance rates for a Chevrolet Impala are $974 annually for full coverage insurance. Comprehensive insurance costs an estimated $140, collision costs $202, and liability coverage costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance costing $2,102 or more. 16-year-old drivers cost the most to insure at $3,988 a year or more.

Average premium for full coverage: $974

Policy rates broken down by type of insurance:

Comprehensive $140
Collision $202
Liability $474

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Impala trim levels.

Price Range Variability

For an average driver, Chevrolet Impala insurance rates go from as cheap as $522 for the bare minimum liability coverage to a much higher rate of $2,102 for a high-risk insurance policy.

Liability Only $522
Full Coverage $974
High Risk $2,102

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have fewer physical damage claims than congested cities.

The price range example below illustrates the effect of geographic area on insurance prices.

Rural Areas $731
Small Cities $1,023
Large Cities $1,315

The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than using 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.

Additional Rate Information

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

  • The best full coverage rate is $591
  • Drivers who choose higher $1,000 deductibles will pay approximately $78 each year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $974
  • Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $146 each year
  • High-risk insureds with multiple tickets or accidents could pay up to $2,102 or more
  • Policy cost with full coverage for a teenage driver with full coverage can cost as much as $3,988 a year

View Chart as Image

Chevrolet Impala insurance cost comparison chart
Column chart showing full coverage Chevrolet Impala insurance prices range from $591 to $3,988

Auto insurance rates for a Chevrolet Impala also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,200 to $1,700 in extra premium every year, depending on your age. High-risk driver insurance can cost around 43% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $230 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Chevrolet Impala insurance rates. A 40-year-old driver could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,320 on average in Florida, New York, and Michigan.

Chevrolet Impala Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $880 -$94 -9.7%
Alaska $744 -$230 -23.6%
Arizona $808 -$166 -17.0%
Arkansas $974 -$0 0.0%
California $1,108 $134 13.8%
Colorado $928 -$46 -4.7%
Connecticut $1,000 $26 2.7%
Delaware $1,102 $128 13.1%
Florida $1,218 $244 25.1%
Georgia $896 -$78 -8.0%
Hawaii $700 -$274 -28.1%
Idaho $656 -$318 -32.6%
Illinois $724 -$250 -25.7%
Indiana $730 -$244 -25.1%
Iowa $656 -$318 -32.6%
Kansas $926 -$48 -4.9%
Kentucky $1,328 $354 36.3%
Louisiana $1,440 $466 47.8%
Maine $600 -$374 -38.4%
Maryland $800 -$174 -17.9%
Massachusetts $780 -$194 -19.9%
Michigan $1,690 $716 73.5%
Minnesota $814 -$160 -16.4%
Mississippi $1,164 $190 19.5%
Missouri $864 -$110 -11.3%
Montana $1,046 $72 7.4%
Nebraska $768 -$206 -21.1%
Nevada $1,166 $192 19.7%
New Hampshire $700 -$274 -28.1%
New Jersey $1,088 $114 11.7%
New Mexico $862 -$112 -11.5%
New York $1,024 $50 5.1%
North Carolina $560 -$414 -42.5%
North Dakota $798 -$176 -18.1%
Ohio $672 -$302 -31.0%
Oklahoma $1,000 $26 2.7%
Oregon $892 -$82 -8.4%
Pennsylvania $928 -$46 -4.7%
Rhode Island $1,298 $324 33.3%
South Carolina $880 -$94 -9.7%
South Dakota $822 -$152 -15.6%
Tennessee $852 -$122 -12.5%
Texas $1,174 $200 20.5%
Utah $720 -$254 -26.1%
Vermont $668 -$306 -31.4%
Virginia $584 -$390 -40.0%
Washington $754 -$220 -22.6%
West Virginia $892 -$82 -8.4%
Wisconsin $674 -$300 -30.8%
Wyoming $868 -$106 -10.9%

View Chart as Image

Chevrolet Impala insurance rates by U.S. city

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Every company utilizes a different rate formula, and quoted rates will be varied between companies.

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 $954 $80
Chevrolet Impala LT $974 $81
Chevrolet Impala LTZ $1,010 $84

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 $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 Buy Cheaper Chevrolet Impala Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to compare rates at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a condensed summary of the car insurance concepts covered in the above illustrations.

  • Drivers with multiple at-fault accidents may pay on average $1,130 more annually than a driver with a clean driving record
  • It is possible to save approximately $110 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save up to $225 each year
  • Consumers who want additional liability coverage will pay around $520 annually to go from a 30/60 limit to higher 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 $3,988
20 $2,238
30 $986
40 $974
50 $894
60 $876

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Impala Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,120
$250 $1,054
$500 $974
$1,000 $896

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Impala Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $974
50/100 $1,105
100/300 $1,223
250/500 $1,531
100 CSL $1,152
300 CSL $1,413
500 CSL $1,603

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Impala Insurance Rates for High Risk Drivers
Age Premium
16 $5,608
20 $3,574
30 $2,114
40 $2,102
50 $2,012
60 $1,990

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 $132

Potential Rate Discounts

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

Discount Savings
Multi-policy $49
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $59
5-yr Claim Free $61
Paid in Full/EFT $35
Advance Quote $43
Online Quote $65
Total Discounts $383
Rate after discounts $591

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

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