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.
Estimated insurance prices for a Chevrolet Impala are $1,284 every 12 months for full coverage insurance. Comprehensive costs on average $226, collision costs $458, and liability coverage is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing around $2,800. Teens pay the most at $4,972 a year or more.
Average premium for full coverage: $1,284
Premium estimates by type of coverage:
Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different Impala trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Chevrolet Impala go from the cheapest price of $496 for just the minimum liability insurance to a much higher rate of $2,800 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.
The price range example below illustrates how your location can change car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than using averaged prices.
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 Analysis
The chart below illustrates estimated Chevrolet Impala insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $740
- Raising to $1,000 deductibles will save around $156 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,284
- Selecting more expensive low deductibles increases the price to $1,588
- Unlucky drivers with serious driving violations could pay upwards of $2,800 or more
- An auto insurance policy to insure a teenage driver with full coverage may cost $4,972
Auto insurance prices for a Chevrolet Impala also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Impala.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $460 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $4,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 130% more than the average policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Chevrolet Impala insurance rates. A middle-age driver might find prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,730 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,162 | -$122 | -9.5% |
| Alaska | $986 | -$298 | -23.2% |
| Arizona | $1,068 | -$216 | -16.8% |
| Arkansas | $1,284 | -$0 | 0.0% |
| California | $1,464 | $180 | 14.0% |
| Colorado | $1,226 | -$58 | -4.5% |
| Connecticut | $1,320 | $36 | 2.8% |
| Delaware | $1,454 | $170 | 13.2% |
| Florida | $1,606 | $322 | 25.1% |
| Georgia | $1,184 | -$100 | -7.8% |
| Hawaii | $922 | -$362 | -28.2% |
| Idaho | $870 | -$414 | -32.2% |
| Illinois | $956 | -$328 | -25.5% |
| Indiana | $966 | -$318 | -24.8% |
| Iowa | $864 | -$420 | -32.7% |
| Kansas | $1,220 | -$64 | -5.0% |
| Kentucky | $1,752 | $468 | 36.4% |
| Louisiana | $1,902 | $618 | 48.1% |
| Maine | $792 | -$492 | -38.3% |
| Maryland | $1,060 | -$224 | -17.4% |
| Massachusetts | $1,028 | -$256 | -19.9% |
| Michigan | $2,230 | $946 | 73.7% |
| Minnesota | $1,074 | -$210 | -16.4% |
| Mississippi | $1,538 | $254 | 19.8% |
| Missouri | $1,138 | -$146 | -11.4% |
| Montana | $1,382 | $98 | 7.6% |
| Nebraska | $1,012 | -$272 | -21.2% |
| Nevada | $1,540 | $256 | 19.9% |
| New Hampshire | $924 | -$360 | -28.0% |
| New Jersey | $1,436 | $152 | 11.8% |
| New Mexico | $1,138 | -$146 | -11.4% |
| New York | $1,354 | $70 | 5.5% |
| North Carolina | $740 | -$544 | -42.4% |
| North Dakota | $1,052 | -$232 | -18.1% |
| Ohio | $888 | -$396 | -30.8% |
| Oklahoma | $1,320 | $36 | 2.8% |
| Oregon | $1,178 | -$106 | -8.3% |
| Pennsylvania | $1,226 | -$58 | -4.5% |
| Rhode Island | $1,714 | $430 | 33.5% |
| South Carolina | $1,162 | -$122 | -9.5% |
| South Dakota | $1,084 | -$200 | -15.6% |
| Tennessee | $1,126 | -$158 | -12.3% |
| Texas | $1,548 | $264 | 20.6% |
| Utah | $952 | -$332 | -25.9% |
| Vermont | $878 | -$406 | -31.6% |
| Virginia | $770 | -$514 | -40.0% |
| Washington | $994 | -$290 | -22.6% |
| West Virginia | $1,178 | -$106 | -8.3% |
| Wisconsin | $888 | -$396 | -30.8% |
| Wyoming | $1,146 | -$138 | -10.7% |
With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Impala LS | $1,246 | $104 |
| Chevrolet Impala LT | $1,284 | $107 |
| Chevrolet Impala LTZ | $1,360 | $113 |
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 | $226 | $458 | $442 | $1,284 |
| 2019 Chevrolet Impala | $218 | $424 | $452 | $1,252 |
| 2018 Chevrolet Impala | $208 | $400 | $456 | $1,222 |
| 2017 Chevrolet Impala | $200 | $358 | $460 | $1,176 |
| 2016 Chevrolet Impala | $188 | $330 | $460 | $1,136 |
| 2015 Chevrolet Impala | $180 | $310 | $464 | $1,112 |
| 2014 Chevrolet Impala | $176 | $288 | $474 | $1,096 |
| 2013 Chevrolet Impala | $164 | $268 | $474 | $1,064 |
| 2012 Chevrolet Impala | $158 | $244 | $478 | $1,038 |
| 2011 Chevrolet Impala | $148 | $222 | $474 | $1,002 |
| 2010 Chevrolet Impala | $140 | $202 | $474 | $974 |
| 2009 Chevrolet Impala | $134 | $182 | $468 | $942 |
| 2008 Chevrolet Impala | $132 | $178 | $460 | $928 |
| 2007 Chevrolet Impala | $130 | $168 | $452 | $908 |
| 2006 Chevrolet Impala | $120 | $160 | $446 | $884 |
| 2005 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 Shop for Cheaper Chevrolet Impala Insurance
Finding better rates on auto insurance consists of being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around every year by getting quotes from direct insurance companies, and also from several local insurance agents.
Below is a condensed summary of the coverage data illustrated above.
- It is possible to save as much as $150 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $450 each year
- Teenage drivers are charged the highest prices, with premiums being up to $414 per month if comprehensive and collision insurance is included
- Drivers with multiple at-fault accidents pay on average $1,520 more each year for auto insurance
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 | $4,972 |
| 20 | $2,994 |
| 30 | $1,330 |
| 40 | $1,284 |
| 50 | $1,176 |
| 60 | $1,154 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,588 |
| $250 | $1,446 |
| $500 | $1,284 |
| $1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,284 |
| 50/100 | $1,448 |
| 100/300 | $1,559 |
| 250/500 | $1,846 |
| 100 CSL | $1,493 |
| 300 CSL | $1,736 |
| 500 CSL | $1,913 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,070 |
| 20 | $4,778 |
| 30 | $2,848 |
| 40 | $2,800 |
| 50 | $2,676 |
| 60 | $2,654 |
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 | $68 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $57 |
| Advance Quote | $63 |
| Online Quote | $90 |
| Total Discounts | $544 |
Discounts are estimated and may not be available from every company or in every state.
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