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 rates for a Chevrolet Impala are $1,284 a year for full coverage. Comprehensive insurance costs on average $226 a year, collision insurance costs $458, and liability coverage is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs $2,800 or more. Teen drivers cost the most to insure at up to $4,972 a year.

Average premium for full coverage: $1,284

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Impala trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how location helps determine car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location, rather than using price averages.

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

Rates by State, City, and Model

The chart below shows average Chevrolet Impala insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $740
• Raising to $1,000 deductibles will save around $1,128 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,284
• Choosing low $100 deductibles will cost an additional $304 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,800
• Policy cost that insures a teenage driver may cost $4,972

View Chart as Image

Car insurance rates for a Chevrolet Impala also range considerably based on the trim level of your Impala, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 130% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age

Your home state also has a big influence on Chevrolet Impala insurance rates. A middle-age driver might find rates as low as $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $460 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

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 More Affordable Chevrolet Impala Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below you'll find a summary of the data that was covered in the charts and tables above.

• Drivers can save as much as $150 per year just by quoting early and online
• Consumers who require more liability protection will pay about $490 each year to raise from a 30/60 limit to the 250/500 level
• Youthful drivers are expensive to insure, costing up to $414 each month if full coverage is purchased
• Drivers who have multiple accidents or major violations may pay on average $1,520 more each year than a low-risk driver

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.