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 prices for a Chevrolet Impala are $1,252 every 12 months for full coverage. Comprehensive costs an estimated $218, collision costs $424, and liability is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing around $2,726. Teen drivers pay the highest rates at $4,868 a year or more.

Average premium for full coverage: $1,252

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all Impala models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations have more infrequent accident claims than larger metro areas.

The example below illustrates how location impacts insurance prices.

The ranges above show why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below shows estimated Chevrolet Impala insurance rates for other coverage scenarios.

• The lowest rate with discounts is $725
• Choosing higher $1,000 deductibles can save approximately $144 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,252
• Choosing pricier low deductibles for comp and collision coverage increases the price to $1,536
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,726 or more
• The price to insure a 16-year-old driver for full coverage can cost as much as $4,868 each year

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

Choosing high deductibles can save as much as $430 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,500 to $2,100 additional each year, depending on your age. Chevrolet Impala insurance for high-risk drivers ranges from 43% to 133% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Chevrolet Impala insurance prices. A good driver about age 40 could pay as low as $830 a year in states like Iowa, Maine, and Idaho, or as much as $1,790 on average in New York, Louisiana, and Michigan.

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Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, and prices may be quite different.

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 Shop for the Best Chevrolet Impala Insurance

Getting lower rates on insurance for a Chevrolet Impala takes being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Spend time shopping around at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief recap of the car insurance concepts touched on above.

• Drivers considered higher risk who tend to receive serious violations pay on average $1,470 more annually than a low-risk driver
• Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $425 each year
• Insureds who want more liability protection will pay about $500 each year to raise limits from a low limit to a 250/500 level

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.