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2012 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 2012 Chevrolet Impala are $1,136 a year including full coverage. Comprehensive costs approximately $188 each year, collision costs $330, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,462. Teen drivers receive the highest rates at $4,496 a year or more.

Annual premium for full coverage: $1,136

Rate estimates for 2012 Chevrolet Impala Insurance

Comprehensive $188
Collision $330
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 basic liability insurance to a high rate of $2,462 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,136
High Risk $2,462

View Chart as Image

2012 Chevrolet Impala insurance rates compared
Column chart showing 2012 Chevrolet Impala insurance prices range from $670 to $4,496 for full coverage

These differences highlight why all drivers should compare prices using their specific location 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 2012 Chevrolet Impala Insurance

Searching Companies

Trying to find cheaper insurance rates for your Chevrolet Impala? I can’t think of anyone who enjoys paying for insurance, particularly when they are paying too much.

Multiple car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a company to get the cheapest price

It’s a good habit to check insurance prices yearly because rates change regularly. If you had the lowest price on Impala insurance last year there is a good chance you can find better rates now. So forget all the misinformation about insurance because we’re going to show you the fastest and easiest way to lower your annual insurance bill.

Comprehensive Auto Insurance Comparison

All the larger auto insurance companies such as State Farm and Allstate give pricing on their websites. Obtaining pricing is pretty easy as you just type in your personal and coverage information into the quote form. Upon sending the form, the company’s rating system pulls information on your driving record and credit history and returns a price determined by many factors. Quoting online makes it a lot easier to compare rates but having to visit different websites and fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible if you are searching for a lower rate.

The preferred way to find better auto insurance pricing utilizes a single form that gets price quotes from several companies at one time. The form is fast, requires less work, and makes price shopping online much more enjoyable and efficient. Immediately after submitting the form, it is quoted with multiple companies and you can pick your choice of the quote results.

If you find a better price you can simply submit the application and purchase the new policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To quickly find out if lower rates are available, click here to open in new window and enter your information. If you have your current policy handy, we recommend you enter the coverages identical to your current policy. This way, you will receive a rate comparison for exact coverage.

Some factors that can determine what Chevy Impala insurance costs

Consumers need to have an understanding of the different types of things that play a part in calculating the price you pay for auto insurance. Knowing what determines base rates enables informed choices that could result in big savings.

Shown below are a few of the “ingredients” auto insurance companies consider when setting premiums.

  • Your auto insurance rates can be influenced by your job – Occupations such as lawyers, architects and accountants tend to have higher rates than average because of high stress and lengthy work days. On the flip side, occupations like pilots, athletes and the unemployed receive lower rates on Impala insurance.
  • Liability coverage is peace of mind – The liability section of your policy is the coverage that protects you if you are found liable for damages from an accident. It will provide you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Keep rates low by being claim-free – If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Companies provide discounts to drivers who do not file claims often. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • Lower rates come with age – Older insureds are more cautious drivers, file fewer claims and tend to be better behind the wheel. Young drivers have a tendency to be more careless when behind the wheel therefore auto insurance rates are much higher.
  • Pay less after the wedding – Getting married actually saves money when buying auto insurance. It means you’re more mature and it’s proven that drivers who are married are more cautious.
  • Traffic violations increase rates – Your driving citation history has a huge affect on how much you pay. Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Even one speeding ticket can bump up the cost forty percent or more. Drivers who have dangerous citations like DUI or reckless driving may need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Lower miles equals lower premium – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based on their usage. Cars used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Impala can cost quite a bit.

Don’t pay full price with these discounts

Insurance can be prohibitively expensive, but you can get discounts that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be inquired about prior to getting the savings.

  • Homeowners Savings – Simply owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Impala insurance with certain companies.
  • Discount for Life Insurance – Larger companies have better rates if you take out life insurance.
  • Memberships – Belonging to a civic or occupational organization is a good way to get lower rates on your policy on Impala insurance.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Accident Waiver – A handful of insurance companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. So even though it sounds like all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But all discounts will cut your premiums.

For a list of providers with discount insurance coverage rates, click here.

Your personal situation dictates your coverage

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Each situation is unique so your insurance should reflect that For instance, these questions might help in determining whether you would benefit from an agent’s advice.

  • Am I covered when using my vehicle for business?
  • Is upholstery damage covered by car insurance?
  • How much can I save by bundling my policies?
  • Can I rent a car in Mexico?
  • What is the rate difference between pleasure use and commuting?
  • Does coverage extend to my business vehicle?
  • Why does it cost so much to insure a teen driver?
  • Do I have coverage when making deliveries for my home business?
  • Do I have coverage for damage caused while driving under the influence?
  • When does my teenage driver need to be added to my policy?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance 101

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like nursing services, EMT expenses, prosthetic devices, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This pays to fix your vehicle from damage from colliding 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 insurance covers claims such as rolling your car, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to other people or property. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as repair costs for stationary objects, court costs, attorney fees and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, rock chips in glass, a tree branch falling on your vehicle, damage from getting keyed and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Impala.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Compare but don’t skimp

Low-cost 2012 Chevy Impala insurance can be found on the web and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We just covered some good ideas how to save on insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. These companies may have significantly lower rates on certain market segments than their larger competitors like State Farm, GEICO and Nationwide.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are too many instances where an insured dropped full coverage only to regret at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

For more information, feel free to browse the resources below:

Rates by U.S. City

2012 Chevrolet Impala Insurance Rates by City
City Premium
New York City, NY $1,794
Los Angeles, CA $1,941
Philadelphia, PA $1,515
Jacksonville, FL $1,647
Phoenix, AZ $1,322
Chicago, IL $1,523
Houston, TX $1,781
Seattle, WA $1,106
Columbus, OH $951
Indianapolis, IN $963

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Chevrolet Impala Insurance Rates by Driver Age
Driver Age Premium
16 $4,496
20 $2,628
30 $1,164
40 $1,136
50 $1,040
60 $1,020

Full coverage, $500 deductibles

Rates by Deductible

2012 Chevrolet Impala Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,362
$250 $1,256
$500 $1,136
$1,000 $1,018

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Impala Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,136
50/100 $1,228
100/300 $1,343
250/500 $1,642
100 CSL $1,274
300 CSL $1,527
500 CSL $1,711

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Chevrolet Impala Insurance Rates for High Risk Drivers
Age Premium
16 $6,364
20 $4,192
30 $2,496
40 $2,462
50 $2,356
60 $2,336

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 $158

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $76
5-yr Claim Free $73
Paid in Full/EFT $46
Advance Quote $53
Online Quote $78
Total Discounts $466
Rate after discounts $670

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

Find companies with the cheapest rates in your area

2012 Chevrolet Impala Insurance Rates by State
State Premium
Alabama $1,026
Alaska $870
Arizona $944
Arkansas $1,136
California $1,294
Colorado $1,084
Connecticut $1,166
Delaware $1,284
Florida $1,420
Georgia $1,046
Hawaii $814
Idaho $768
Illinois $846
Indiana $852
Iowa $764
Kansas $1,080
Kentucky $1,550
Louisiana $1,678
Maine $702
Maryland $936
Massachusetts $910
Michigan $1,970
Minnesota $950
Mississippi $1,358
Missouri $1,006
Montana $1,218
Nebraska $896
Nevada $1,362
New Hampshire $818
New Jersey $1,268
New Mexico $1,006
New York $1,196
North Carolina $654
North Dakota $930
Ohio $786
Oklahoma $1,166
Oregon $1,040
Pennsylvania $1,082
Rhode Island $1,516
South Carolina $1,028
South Dakota $958
Tennessee $994
Texas $1,370
Utah $840
Vermont $778
Virginia $680
Washington $878
West Virginia $1,040
Wisconsin $786
Wyoming $1,012

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