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2004 Chevrolet Impala Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Average insurance rates for a 2004 Chevrolet Impala are $928 a year for full coverage insurance. Comprehensive costs an estimated $132 each year, collision costs $178, and liability costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing around $1,998. Teen drivers receive the highest rates at $3,818 a year or more.

Annual premium for full coverage: $928

Rate estimates for 2004 Chevrolet Impala Insurance

Comprehensive $132
Collision $178
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2004 Chevrolet Impala models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $510 for only liability insurance to a high rate of $1,998 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $928
High Risk $1,998

View Chart as Image

2004 Chevrolet Impala insurance rates compared
Column chart showing 2004 Chevrolet Impala insurance prices range from $567 to $3,818 for full coverage

These differences illustrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2004 Chevrolet Impala Insurance

Searching Companies

Are you tired of trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as millions of other consumers. Lots of auto insurance companies contend to insure your vehicles, so it can be very hard to choose a insurance company and get the best coverage at the lowest rate possible.

Free Quotes for Auto Insurance

Getting better 2004 Chevy Impala auto insurance pricing is not rocket science. All you need to do is spend a few minutes to compare quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  1. The most efficient way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do repetitive form submissions for each company. One form submission gets you price quotes direct from many companies.
  2. A more time consuming way to shop for auto insurance online is to manually visit each company’s website and complete a new quote form. For examples sake, let’s say you want comparison quotes from Farmers, Progressive and Travelers. To get each rate you have to take the time to go to each site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
  3. The most time-consuming method to get comparison rates is to spend time driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the professional guidance that only a license agent can provide. However, consumers can obtain prices from the web and still use a local agent and you’ll learn how to do that later.

Whichever way you use, make sure you use identical information on every quote. If you enter different limits and deductibles on each one it’s impossible to find the best deal for your Chevy Impala.

Ads can be misleading

Consumers can’t get away from ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. All the ads make an identical promise that you’ll save big if you move your policy.

How do they all make the same claim?

Different companies can use profiling for the right customer that earns them a profit. An example of a preferred risk could be between 25 and 40, owns a home, and has a short commute. A driver that hits that “sweet spot” receives the best rates and most likely will save quite a bit of money when switching.

Consumers who don’t qualify for the requirements will be quoted a higher premium which leads to business not being written. Company advertisements say “customers who switch” not “people who quote” save that kind of money. That is how companies can advertise the way they do.

This emphasizes why it is so important to compare as many rates as you can. It’s not possible to predict the company that will have the lowest Chevy Impala insurance rates.

Pay less for 2004 Chevy Impala insurance

Properly insuring your vehicles can get expensive, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be asked for before being credited. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Low Mileage – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Impala insurance than drivers with accident claims.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. This discount can apply until age 25.
  • College Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. So when it seems like it’s possible to get free car insurance, you’re out of luck. But any discount will help reduce your premiums.

To see a list of insurers who offer car insurance discounts, follow this link.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that These are some specific questions can help discover if your insurance needs might need an agent’s assistance.

  • How do I insure my teen driver?
  • What can I do if my company won’t pay a claim?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my ex-spouse still covered by my policy?
  • Am I covered when driving on a suspended license?
  • Do I pay less if my vehicle is kept in my garage?
  • What is medical payments coverage?
  • Am I covered if I hit a deer?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Specifics of your insurance policy

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as hospital visits, doctor visits, surgery and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Impala.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, damage from getting keyed and hitting a deer. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, damaging your car on a curb, colliding with a tree and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability insurance

This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as loss of income, repair costs for stationary objects, repair bills for other people’s vehicles and medical services. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

The best insurance company isn’t always the cheapest

Cost effective 2004 Chevy Impala insurance is definitely available on the web as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for auto insurance, it’s a bad idea to buy poor coverage just to save money. There are many occasions where an insured dropped full coverage and learned later they didn’t have enough coverage. Your strategy should be to buy the best coverage you can find at an affordable rate.

Additional auto insurance information is located at these links:

Rates by U.S. City

2004 Chevrolet Impala Insurance Rates by City
City Premium
New York City, NY $1,467
Los Angeles, CA $1,587
Philadelphia, PA $1,238
Jacksonville, FL $1,348
Phoenix, AZ $1,081
Chicago, IL $1,242
Houston, TX $1,456
Seattle, WA $905
Columbus, OH $777
Indianapolis, IN $789

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2004 Chevrolet Impala Insurance Rates by Driver Age
Driver Age Premium
16 $3,818
20 $2,132
30 $938
40 $928
50 $854
60 $836

Full coverage, $500 deductibles

Rates by Deductible

2004 Chevrolet Impala Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,062
$250 $1,002
$500 $928
$1,000 $856

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Impala Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $928
50/100 $1,020
100/300 $1,135
250/500 $1,434
100 CSL $1,066
300 CSL $1,319
500 CSL $1,503

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Chevrolet Impala Insurance Rates for High Risk Drivers
Age Premium
16 $5,362
20 $3,396
30 $2,012
40 $1,998
50 $1,914
60 $1,896

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $124

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $51
Homeowner $17
5-yr Accident Free $55
5-yr Claim Free $58
Paid in Full/EFT $32
Advance Quote $40
Online Quote $62
Total Discounts $361
Rate after discounts $567

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2004 Chevrolet Impala Insurance Rates by State
State Premium
Alabama $840
Alaska $712
Arizona $772
Arkansas $928
California $1,058
Colorado $888
Connecticut $954
Delaware $1,050
Florida $1,162
Georgia $856
Hawaii $668
Idaho $628
Illinois $690
Indiana $698
Iowa $626
Kansas $882
Kentucky $1,266
Louisiana $1,372
Maine $574
Maryland $766
Massachusetts $744
Michigan $1,612
Minnesota $778
Mississippi $1,110
Missouri $824
Montana $996
Nebraska $732
Nevada $1,114
New Hampshire $670
New Jersey $1,038
New Mexico $822
New York $978
North Carolina $534
North Dakota $760
Ohio $642
Oklahoma $954
Oregon $850
Pennsylvania $884
Rhode Island $1,238
South Carolina $840
South Dakota $784
Tennessee $814
Texas $1,120
Utah $688
Vermont $636
Virginia $556
Washington $718
West Virginia $850
Wisconsin $642
Wyoming $828

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