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.

Estimated insurance rates for a Chevrolet Impala are $1,284 a year for full coverage. Comprehensive insurance costs an estimated $226, collision costs $458, and liability coverage costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing $2,800 or more. Teens pay the most at $4,972 a year or more.

Average premium for full coverage: $1,284

Premium estimates broken down by type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all Impala models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

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

These rate differences show why everyone should compare prices for a targeted area and risk profile, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $740
• Using higher $1,000 deductibles will save approximately $156 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,284
• Selecting pricier low deductibles for physical damage coverage will cost an extra $304 each year
• Higher-risk drivers with serious driving violations could pay up to $2,800 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage can cost as much as $4,972 or more

View Chart as Image

Insurance prices for a Chevrolet Impala also have a wide range based on your driving characteristics, the trim level of your Impala, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Where you choose to live 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 Iowa, Maine, and Idaho, or have to pay at least $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $460 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,500 to $2,100 additional annually, depending on your age. Chevrolet Impala insurance for high-risk drivers can be around 42% to 130% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, and prices will be substantially different from one company to the next.

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

Finding better rates on auto insurance requires having a decent driving record, 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 quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a review of the car insurance concepts illustrated above.

• Drivers who have several accidents or serious violations pay an average of $1,520 more annually than a driver with a clean driving record
• Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $450 each year
• Consumers who want additional liability coverage will pay approximately $490 each year to increase from 30/60 bodily injury limits 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.

 

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.