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.

The average auto insurance rates for a Chevrolet Impala are $974 annually including full coverage. Comprehensive costs approximately $140 a year, collision insurance costs $202, and liability insurance is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs around $2,102. 16-year-old drivers cost the most to insure at up to $3,988 a year.

Average premium for full coverage: $974

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Impala trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Information

The chart below breaks down average Chevrolet Impala insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $591
• Choosing higher $1,000 deductibles can save $896 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $974
• Buying low $100 deductibles for comp and collision coverage will cost $1,120
• High-risk insureds with multiple tickets or accidents could pay around $2,102
• Policy cost with full coverage for a teen driver can cost $3,988 each year

View Chart as Image

Car insurance rates for a Chevrolet Impala also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $230 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Chevrolet Impala insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,390 on average in Louisiana, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2009 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 Buy Cheaper Chevrolet Impala Insurance

Finding cheaper rates on Chevrolet Impala insurance takes avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Invest the time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a condensed summary of the data presented in the illustrations above.

• Drivers who purchase increased liability limits will pay around $520 per year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save around $110 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Drivers under the age of 20 pay the highest auto insurance rates, with premiums being up to $332 each month if comprehensive and collision insurance is included

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.