2014 Chevrolet Malibu Hybrid Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2014 Chevrolet Malibu Hybrid are $1,244 a year for full coverage. Comprehensive costs on average $230, collision insurance costs $400, and liability coverage costs $456. Buying a liability-only policy costs as little as $508 a year, and high-risk insurance costs around $2,692. Teenage drivers receive the highest rates at up to $4,812 a year.
Annual premium for full coverage: $1,244
Rate estimates for 2014 Chevrolet Malibu Hybrid Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2014 Chevrolet Malibu Hybrid 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 the average driver, prices range range from as low as $508 for just liability insurance to the much higher price of $2,692 for a driver that may need high-risk insurance.
These differences show why everyone should compare rates based on a specific location and risk profile, rather than using average rates.
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 2014 Chevrolet Malibu Hybrid Insurance
Nobody rejoices having to buy auto insurance, in particular when their premiums are through the roof.
Many insurers compete for your insurance dollar, so it’s not easy to compare every provider to discover the definitive cheapest price
It is always a good idea to do rate comparisons before your next renewal since insurance rates trend upward over time. Even if you got the best rate for Malibu Hybrid coverage six months ago you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money.
If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. Finding affordable coverage is quite easy. But vehicle owners must learn the methods companies use to sell online and use this information to your advantage.
Find discounts on insurance coverage
Not too many consumers would say insurance coverage is affordable, but there’s a good chance there are discounts to help bring down the price. Certain reductions will be credited at the time you complete a quote, but occassionally some discounts must be requested specifically in order for you to get them.
- College Student Discount – Youth drivers who live away from home to go to college and do not have a car can be insured at a reduced rate.
- Theft Prevention System – Cars equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
- Military Rewards – Having a deployed family member could be rewarded with lower prices.
- Low Mileage – Driving less may enable drivers to earn better rates on cars that stay parked.
- Discounts for Federal Employees – Active or former government employment can earn a discount up to 10% for Malibu Hybrid coverage but check with your company.
- Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in school or through a local driver safety program.
- Discounts for New Vehicles – Buying a new car instead of a used car can save you some money compared to insuring an older model.
- Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
- Senior Citizen Rates – Drivers over the age of 55 may qualify for a small discount on rates for Malibu Hybrid coverage.
Remember that some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. So when it seems like it’s possible to get free car insurance, you aren’t that lucky. Any amount of discount will help lower the amount you have to pay.
Some of the insurance companies that may offer quotes with some of the discounts shown above may include but are not limited to:
If you want inexpensive auto insurance quotes, ask all companies you are considering what discounts are available to you. Savings may not be offered in your area. If you would like to see a list of insurance coverage companies with the best insurance coverage discounts, enter your zip code here.
The method we recommend to compare car insurance rates takes advantage of the fact most insurance companies participate in a system to provide you with free rate quotes. The only thing you need to do is spend a couple of minutes providing details like daily mileage, if the car is leased, how much school you completed, and your general credit rating. The data is then submitted to insurance companies and they respond with quotes with very little delay.
Tailor your car insurance coverage to you
When buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For example, these questions may help you determine whether your personal situation might need professional guidance.
- Do I need special endorsements for business use of my vehicle?
- Am I covered when delivering products for my home-based business?
- Is a fancy paint job covered?
- Do I have any recourse if my insurance company denies a claim?
- Should I have a commercial auto policy?
- Why am I be forced to buy a membership to get insurance from some companies?
- What exactly is covered by my policy?
- Should I put collision coverage on all my vehicles?
- How much liability do I need to cover my assets?
- When would I need additional glass coverage?
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, complete your zip code.
Specifics of your car insurance policy
Having a good grasp of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by car insurance companies.
Uninsured or underinsured coverage
This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Malibu Hybrid.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Medical expense coverage
Coverage for medical payments and/or PIP reimburse you for bills for things like EMT expenses, dental work and funeral costs. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like scraping a guard rail, crashing into a ditch, sideswiping another vehicle, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.
Auto liability insurance
This can cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.
Liability coverage protects against claims such as court costs, loss of income and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like falling objects, a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
A fool and his money are soon parted
While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where someone sacrificed liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.
Lower-priced 2014 Chevy Malibu Hybrid insurance can be purchased from both online companies and from local insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not offer online quoting and usually these small, regional companies only sell through independent insurance agencies.
We covered quite a bit of information on how to reduce 2014 Chevy Malibu Hybrid insurance rates online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from some of the lesser-known companies. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.
- Young Drivers: The High Risk Years Video (iihs.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
- Prom Night Tips for Teen Drivers (State Farm)
- Airbag FAQ (iihs.org)
- Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,965|
|Los Angeles, CA||$2,127|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$86|
|5-yr Claim Free||$80|
|Paid in Full/EFT||$53|
Discounts are estimated and may not be available from every company or in every state.