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 costs an estimated $226, collision insurance costs $458, and liability insurance costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs around $2,800. Teenage drivers cost the most to insure at up to $4,972 a year.

Average premium for full coverage: $1,284

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities. The price range example below illustrates how rural and urban location affects insurance prices.

The examples above show why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $740
• Drivers who choose higher $1,000 deductibles will pay approximately $156 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,284
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,588
• High risk drivers who are prone to accidents and violations could pay up to $2,800
• Policy cost that insures a teen driver with full coverage can cost as much as $4,972 a year

View Chart as Image

Insurance rates for a Chevrolet Impala also range considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

Your home state makes a big difference in Chevrolet Impala insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $460 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. 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 Cheaper Chevrolet Impala Insurance

Finding cheaper rates on Chevrolet Impala insurance not only requires being safe and accident-free, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

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

• Drivers can save approximately $150 per year just by shopping early and online
• Drivers who want more liability protection will pay an extra $490 each year to go from a 30/60 limit to the 250/500 level
• Youthful drivers are expensive to insure, costing up to $414 each month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents may pay on average $1,520 more annually 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.