Chevrolet Impala Insurance Rates
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Jul 22, 2024
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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.
Average auto insurance rates for a Chevrolet Impala are $1,252 annually for full coverage insurance. Comprehensive insurance costs an estimated $218, collision costs $424, and liability coverage is $452. Buying just liability costs around $504 a year, with insurance for high-risk drivers costing $2,726 or more. Teen drivers receive the highest rates at $4,868 a year or more.
Average premium for full coverage: $1,252
Rate estimates broken down by individual coverage type:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all Impala models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $504 for minimum levels of liability insurance to the much higher price of $2,726 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.
The example below illustrates how location impacts insurance prices.
These examples illustrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below illustrates estimated Chevrolet Impala insurance rates for other coverage scenarios.
- The lowest rate with discounts is $725
- Raising to $1,000 deductibles will save approximately $144 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,252
- Choosing pricier low deductibles costs an additional $284 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,726 or more
- The cost with full coverage for a teenage driver for full coverage can cost as much as $4,868
Auto insurance rates for a Chevrolet Impala can also vary considerably based on the trim level of your Impala, your risk profile, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying $1,500 to $2,100 in extra premium per year, depending on your age. Chevrolet Impala insurance for high-risk drivers is expensive and can cost around 43% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $430 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Chevrolet Impala insurance rates. A middle-age driver might find rates as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,690 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,132 | -$120 | -9.6% |
| Alaska | $960 | -$292 | -23.3% |
| Arizona | $1,038 | -$214 | -17.1% |
| Arkansas | $1,252 | -$0 | 0.0% |
| California | $1,426 | $174 | 13.9% |
| Colorado | $1,196 | -$56 | -4.5% |
| Connecticut | $1,288 | $36 | 2.9% |
| Delaware | $1,416 | $164 | 13.1% |
| Florida | $1,566 | $314 | 25.1% |
| Georgia | $1,154 | -$98 | -7.8% |
| Hawaii | $898 | -$354 | -28.3% |
| Idaho | $848 | -$404 | -32.3% |
| Illinois | $932 | -$320 | -25.6% |
| Indiana | $942 | -$310 | -24.8% |
| Iowa | $842 | -$410 | -32.7% |
| Kansas | $1,190 | -$62 | -5.0% |
| Kentucky | $1,708 | $456 | 36.4% |
| Louisiana | $1,852 | $600 | 47.9% |
| Maine | $772 | -$480 | -38.3% |
| Maryland | $1,032 | -$220 | -17.6% |
| Massachusetts | $1,002 | -$250 | -20.0% |
| Michigan | $2,176 | $924 | 73.8% |
| Minnesota | $1,048 | -$204 | -16.3% |
| Mississippi | $1,498 | $246 | 19.6% |
| Missouri | $1,110 | -$142 | -11.3% |
| Montana | $1,344 | $92 | 7.3% |
| Nebraska | $988 | -$264 | -21.1% |
| Nevada | $1,502 | $250 | 20.0% |
| New Hampshire | $902 | -$350 | -28.0% |
| New Jersey | $1,398 | $146 | 11.7% |
| New Mexico | $1,108 | -$144 | -11.5% |
| New York | $1,316 | $64 | 5.1% |
| North Carolina | $722 | -$530 | -42.3% |
| North Dakota | $1,026 | -$226 | -18.1% |
| Ohio | $864 | -$388 | -31.0% |
| Oklahoma | $1,286 | $34 | 2.7% |
| Oregon | $1,146 | -$106 | -8.5% |
| Pennsylvania | $1,194 | -$58 | -4.6% |
| Rhode Island | $1,670 | $418 | 33.4% |
| South Carolina | $1,132 | -$120 | -9.6% |
| South Dakota | $1,056 | -$196 | -15.7% |
| Tennessee | $1,096 | -$156 | -12.5% |
| Texas | $1,510 | $258 | 20.6% |
| Utah | $926 | -$326 | -26.0% |
| Vermont | $856 | -$396 | -31.6% |
| Virginia | $748 | -$504 | -40.3% |
| Washington | $968 | -$284 | -22.7% |
| West Virginia | $1,148 | -$104 | -8.3% |
| Wisconsin | $866 | -$386 | -30.8% |
| Wyoming | $1,116 | -$136 | -10.9% |
With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Impala LS | $1,216 | $101 |
| Chevrolet Impala LT | $1,252 | $104 |
| Chevrolet Impala LTZ | $1,322 | $110 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Chevrolet Impala | $218 | $424 | $452 | $1,252 |
| 2019 Chevrolet Impala | $208 | $400 | $456 | $1,222 |
| 2018 Chevrolet Impala | $200 | $358 | $460 | $1,176 |
| 2017 Chevrolet Impala | $188 | $330 | $460 | $1,136 |
| 2016 Chevrolet Impala | $180 | $310 | $464 | $1,112 |
| 2015 Chevrolet Impala | $176 | $288 | $474 | $1,096 |
| 2014 Chevrolet Impala | $164 | $268 | $474 | $1,064 |
| 2013 Chevrolet Impala | $158 | $244 | $478 | $1,038 |
| 2012 Chevrolet Impala | $148 | $222 | $474 | $1,002 |
| 2011 Chevrolet Impala | $140 | $202 | $474 | $974 |
| 2010 Chevrolet Impala | $134 | $182 | $468 | $942 |
| 2009 Chevrolet Impala | $132 | $178 | $460 | $928 |
| 2008 Chevrolet Impala | $130 | $168 | $452 | $908 |
| 2007 Chevrolet Impala | $120 | $160 | $446 | $884 |
| 2006 Chevrolet Impala | $116 | $152 | $442 | $868 |
Rates are averaged for all Chevrolet Impala models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper Chevrolet Impala Insurance
Saving money on auto insurance consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following list is a condensed summary of the ideas that were touched on above.
- Drivers age 16 to 20 are the costliest to insure, costing up to $406 per month if full coverage is included
- Drivers with multiple at-fault accidents may pay on average $1,470 more annually than a safer driver
- Increasing deductibles could save up to $425 each year
- It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,868 |
| 20 | $2,912 |
| 30 | $1,292 |
| 40 | $1,252 |
| 50 | $1,146 |
| 60 | $1,124 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,536 |
| $250 | $1,404 |
| $500 | $1,252 |
| $1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,252 |
| 50/100 | $1,412 |
| 100/300 | $1,525 |
| 250/500 | $1,819 |
| 100 CSL | $1,458 |
| 300 CSL | $1,706 |
| 500 CSL | $1,887 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,922 |
| 20 | $4,646 |
| 30 | $2,768 |
| 40 | $2,726 |
| 50 | $2,606 |
| 60 | $2,582 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $88 |
| Total Discounts | $527 |
Discounts are estimated and may not be available from every company or in every state.
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