2015 Chevrolet Malibu Hybrid Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2015 Chevrolet Malibu Hybrid are $1,272 a year with full coverage. Comprehensive insurance costs around $238, collision insurance costs $424, and liability costs $452. Buying a liability-only policy costs as little as $504 a year, and high-risk insurance costs $2,760 or more. Teen drivers receive the highest rates at up to $4,900 a year.
Annual premium for full coverage: $1,272
Rate estimates for 2015 Chevrolet Malibu Hybrid Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 $504 for just liability coverage to a much higher rate of $2,760 for a driver that may need high-risk insurance.
These differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of using price averages.
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 2015 Chevrolet Malibu Hybrid Insurance
Trying to find cheaper insurance coverage rates for your Chevrolet Malibu Hybrid? Searching for cheaper insurance for a Chevy Malibu Hybrid could be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the best way to quote coverages on a Chevy and get the lowest price.
Are you qualifying for every discount?
Car insurance companies do not advertise every discount they offer very well, so the following is a list of both the well known as well as the least known discounts that you may qualify for.
- Onboard Data Collection – Drivers that enable driving data collection to track their driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they have good driving habits.
- Low Mileage Discounts – Low annual miles can earn discounted auto insurancerates on garaged vehicles.
- Multi-policy Discount – If you can combine your auto and home policy and insure them both with the same insurance company you could save 10% to 20% off each policy.
- Home Ownership Discount – Owning a home may trigger a policy discount on auto insurance because owning a home demonstrates responsibility.
- Buy New and Save – Putting insurance on a new car can save up to 30% because newer vehicles are generally safer.
- More Vehicles More Savings – Buying coverage for multiple cars on one policy can get a discount for every vehicle.
- Employee of Federal Government – Being employed by or retired from a federal job may reduce rates when you quote insurance coverage for Malibu Hybrid coverage with a few auto insurance companies.
- Discount for Life Insurance – Some companies give better auto insurancerates if you take out auto and life insurance together.
- Good Students Pay Less – Excelling in school may save as much as 25% on a insurance coverage quote. This discount can apply well after school through age 25.
- Active Military Service – Being deployed with a military unit could trigger a small discount.
Drivers should understand that some of the credits will not apply to the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, that’s just not realistic.
Car insurance companies that possibly offer these money-saving discounts possibly include:
Before purchasing a policy, check with each company or agent which credits you are entitled to. All car insurance discounts may not apply in every state. To see insurers with discount rates, enter your zip code here.
The most recommended method to compare policy rates utilizes the fact auto insurance companies participate in a system to give you rate quotes. The only thing you need to do is provide a little information such as driver details, how many miles driven, marital status, and any included safety features. Your insurance information is automatically sent to multiple car insurance providers and you should receive rate quotes almost instantly.
When in doubt talk to an agent
When choosing coverage, there is no cookie cutter policy. Everyone’s situation is unique.
Here are some questions about coverages that can help discover whether or not you may require specific advice.
- Does coverage extend to a rental car in a foreign country?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Do I have coverage when making deliveries for my home business?
- When should my teen driver be added to my policy?
- Do I get a pro-rated refund if I cancel my policy early?
- Will my rates increase for filing one claim?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, free and may give you better protection.
Specific coverage details
Knowing the specifics of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.
Auto collision coverage
Collision coverage will pay to fix damage to your Malibu Hybrid resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like crashing into a ditch, backing into a parked car, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Liability insurance can cover damages or injuries you inflict on other’s property or people that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability insurance covers things like funeral expenses, court costs and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as vandalism, theft, damage from flooding and falling objects. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as dental work, EMT expenses, X-ray expenses and pain medications. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
More quotes. Lower rates.
Insureds change insurance companies for a number of reasons such as not issuing a premium refund, poor customer service, being labeled a high risk driver and lack of trust in their agent. Regardless of your reason for switching companies, finding a great new company can be pretty painless.
Discount 2015 Chevy Malibu Hybrid insurance can be found online in addition to many insurance agents, so you need to shop insurance coverage with both to have the best rate selection. Some insurance companies may not provide online price quotes and these small, regional companies only sell coverage through local independent agents.
As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage at the best price, but don’t skip important coverages to save money.
Additional learning opportunities
Rates by U.S. City
|New York City, NY||$2,010|
|Los Angeles, CA||$2,175|
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||$89|
|5-yr Claim Free||$82|
|Paid in Full/EFT||$55|
Discounts are estimated and may not be available from every company or in every state.