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.

The average insurance prices for a Chevrolet Impala are $1,284 every 12 months for full coverage insurance. Comprehensive insurance costs on average $226, collision costs $458, and liability coverage is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $2,800 or more. Teenage drivers cost the most to insure at $4,972 a year or more.

Average premium for full coverage: $1,284

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Impala models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities.

The example below illustrates how location helps determine car insurance rates.

The examples above illustrate why everyone should compare rates quotes based on a specific location and their own driving history, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $740
• Raising to $1,000 deductibles will save around $156 each year
• The average price for a good driver age 40 with $500 deductibles is $1,284
• Using pricier low deductibles costs an extra $304 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,800 or more
• Policy cost to insure a teenage driver for full coverage may cost $4,972

View Chart as Image

Insurance rates for a Chevrolet Impala also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Impala.

Using high physical damage deductibles can reduce rates by up to $460 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 additional every year, depending on your age. Chevrolet Impala insurance for high-risk drivers is expensive and can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Chevrolet Impala insurance rates. A middle-age driver might find rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

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 Shop for Cheap Chevrolet Impala Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having above-average credit, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates once a year by getting quotes from direct insurance companies, and also from several local insurance agents.

The items below are a brief summary of the data that was covered in the charts and tables above.

• It is possible to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Consumers who require more liability coverage will pay an extra $490 annually to raise from a 30/60 limit to a 250/500 level
• Teen drivers pay higher rates, possibly costing $414 each month if full coverage is included
• Drivers that tend to have accidents or serious violations pay on average $1,520 more each year to insure their Impala

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.