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2006 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: Jun 12, 2015

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Average insurance rates for a 2006 Chevrolet Impala are $974 a year with full coverage. Comprehensive costs an estimated $140, collision insurance costs $202, and liability insurance costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,102. Teen drivers receive the highest rates at up to $3,988 a year.

Annual premium for full coverage: $974

Rate estimates for 2006 Chevrolet Impala Insurance

Comprehensive $140
Collision $202
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2006 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 range from as low as $522 for only liability insurance to the much higher price of $2,102 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $974
High Risk $2,102

View Chart as Image

2006 Chevrolet Impala insurance rates compared
Column chart showing 2006 Chevrolet Impala insurance prices range from $591 to $3,988 for full coverage

These differences demonstrate why everyone should compare rates for a targeted area and risk profile, rather than relying 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 2006 Chevrolet Impala Insurance

Searching Companies

Trying to find the cheapest insurance rates for your Chevrolet Impala? Cutting costs on insurance can seem to be nearly impossible for consumers new to comparison shopping online. People have so many companies to choose from that it can quickly become a real hassle to locate the lowest price.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. This article will help you learn the best way to quote coverages and some tips to save money. But drivers must comprehend how insurance companies determine prices.

The best way to get rate comparisons utilizes the fact almost all companies provide online access to give rate comparisons. To get started, all you need to do is give them rating details including if you are currently licensed, coverage limits, if it has an alarm system, and how your vehicles are used. The rating information is automatically sent to many of the top insurers and you receive quotes within a short period of time.

To compare rates now, click here and enter your coverage details.

Factors that might impact rates for a Chevy Impala

Smart consumers have a good feel for the rating factors that come into play when calculating the price you pay for insurance coverage. Understanding what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.

The list below includes some of the factors insurance coverage companies consider when setting prices.

  • Do you have a high stress job? – Jobs such as real estate brokers, social workers and financial analysts tend to pay higher average rates because of high stress and lengthy work days. Conversely, professions such as actors, engineers and retirees have the lowest average rates on Impala coverage.
  • Safer occupants lowers premiums – Cars with high safety ratings get lower rates. Safer cars reduce injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Chevy Impala scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Poor driving leads to higher costs – Your driving record impacts your car insurance rates tremendously. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Even a single citation may increase your cost by twenty percent. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • Where you live can impact rates – Living in small towns and rural areas is a positive aspect when buying insurance coverage. City drivers tend to have more traffic problems and a longer drive to work. Less people living in that area means a lower chance of having an accident.

Discounts are great for lower rates

Auto insurance companies don’t always advertise all available discounts very clearly, so here is a list both the well known and the more hidden insurance coverage savings.

  • No Charge for an Accident – A few companies will allow you to have one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Driver Safety – Taking a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.

Keep in mind that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

Insurance companies that possibly offer these benefits include:

Check with all companies you are considering which discounts you may be entitled to. Discounts may not be available everywhere.

You may need specialized coverage

When buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if you would benefit from professional advice.

  • Am I getting all the discounts available?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I buy additional glass protection?
  • Do I pay less for low miles?
  • Is my 2006 Chevy Impala covered for smoke damage?
  • When should I remove comp and collision on my 2006 Chevy Impala?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Detailed coverages of your auto insurance policy

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Chevy Impala.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverage

This coverage provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability coverage protects against claims like pain and suffering, loss of income, medical services, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses for funeral costs, chiropractic care, dental work, surgery and hospital visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, a broken windshield, hitting a deer and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

This will pay to fix damage to your Impala resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Better coverage you can count on

People who switch companies do it for a number of reasons such as denial of a claim, lack of trust in their agent, poor customer service or policy cancellation. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

We just showed you a lot of information how to get a better price on 2006 Chevy Impala insurance. The key thing to remember is the more you quote, the higher the chance of saving money. Drivers may discover the best price on insurance coverage is with a small mutual company.

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice full coverage and learned later that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Other information

Rates by U.S. City

2006 Chevrolet Impala Insurance Rates by City
City Premium
New York City, NY $1,536
Los Angeles, CA $1,662
Philadelphia, PA $1,299
Jacksonville, FL $1,413
Phoenix, AZ $1,131
Chicago, IL $1,303
Houston, TX $1,526
Seattle, WA $950
Columbus, OH $813
Indianapolis, IN $825

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2006 Chevrolet Impala Insurance Rates by Driver Age
Driver Age Premium
16 $3,988
20 $2,238
30 $986
40 $974
50 $894
60 $876

Full coverage, $500 deductibles

Rates by Deductible

2006 Chevrolet Impala Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,120
$250 $1,054
$500 $974
$1,000 $896

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Impala Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $974
50/100 $1,069
100/300 $1,187
250/500 $1,495
100 CSL $1,116
300 CSL $1,377
500 CSL $1,567

Full coverage, driver age 40

Rates for High Risk Drivers

2006 Chevrolet Impala Insurance Rates for High Risk Drivers
Age Premium
16 $5,608
20 $3,574
30 $2,114
40 $2,102
50 $2,012
60 $1,990

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 $132

Potential Rate Discounts

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

Discount Savings
Multi-policy $49
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $59
5-yr Claim Free $61
Paid in Full/EFT $35
Advance Quote $43
Online Quote $65
Total Discounts $383
Rate after discounts $591

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

Find companies with the cheapest rates in your area

2006 Chevrolet Impala Insurance Rates by State
State Premium
Alabama $880
Alaska $744
Arizona $808
Arkansas $974
California $1,108
Colorado $928
Connecticut $1,000
Delaware $1,102
Florida $1,218
Georgia $896
Hawaii $700
Idaho $656
Illinois $724
Indiana $730
Iowa $656
Kansas $926
Kentucky $1,328
Louisiana $1,440
Maine $600
Maryland $800
Massachusetts $780
Michigan $1,690
Minnesota $814
Mississippi $1,164
Missouri $864
Montana $1,046
Nebraska $768
Nevada $1,166
New Hampshire $700
New Jersey $1,088
New Mexico $862
New York $1,024
North Carolina $560
North Dakota $798
Ohio $672
Oklahoma $1,000
Oregon $892
Pennsylvania $928
Rhode Island $1,298
South Carolina $880
South Dakota $822
Tennessee $852
Texas $1,174
Utah $720
Vermont $668
Virginia $584
Washington $754
West Virginia $892
Wisconsin $674
Wyoming $868

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