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.

U.S. average insurance rates for a Chevrolet Impala are $1,284 a year for full coverage insurance. Comprehensive insurance costs around $226, collision costs $458, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $2,800 or more. 16-year-old drivers pay the highest rates at $4,972 a year or more.

Average premium for full coverage: $1,284

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Impala trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates how where you live affects auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using rate averages.

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

More Rate Information

The chart below illustrates estimated Chevrolet Impala insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $740
• Using higher $1,000 deductibles will save about $156 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,284
• Buying more expensive low deductibles for physical damage coverage will cost an extra $304 every year
• Drivers with multiple tickets or accidents could pay at least $2,800 or more
• The price for full coverage for a teen driver with full coverage can be $4,972 or more

View Chart as Image

Insurance prices for a Chevrolet Impala are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

The state you live in has a huge impact on Chevrolet Impala insurance prices. A driver around age 40 might see prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $460 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance can be as much as 42% to 130% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, and prices may be quite 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 Cheap Chevrolet Impala Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, having a good credit history, not filing small claims, and taking advantage of discounts. Take the time to comparison shop once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a brief summary of the data that was touched on in the above illustrations.

• It is possible to save up to $150 per year simply by shopping early and online
• Policyholders who may need higher liability limits will pay around $490 annually to increase from a low limit to 250/500 limits
• Teenagers are charged the highest prices, as much as $414 a month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,520 more every year for car insurance

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.