2019 Chevrolet Malibu Hybrid Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2019 Chevrolet Malibu Hybrid are $1,344 a year with full coverage. Comprehensive insurance costs on average $282 a year, collision costs $506, and liability costs around $398. Buying a liability-only policy costs as low as $460 a year, with high-risk insurance costing $2,908 or more. Teen drivers receive the highest rates at $5,040 a year or more.
Annual premium for full coverage: $1,344
Rate estimates for 2019 Chevrolet Malibu Hybrid Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 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 go from as low as $460 for a discount liability-only rate to a high of $2,908 for a driver that may need high-risk insurance.
These differences demonstrate why it is important for drivers to compare prices based on a specific location 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 2019 Chevrolet Malibu Hybrid Insurance
Trying to find lower insurance coverage rates for your Chevrolet Malibu Hybrid? Did a good deal turn into an overpriced insurance coverage policy? Say no more because many drivers have buyer’s remorse.
Companies like State Farm, Progressive and GEICO increase brand awareness with ad campaigns and it is challenging if not impossible to separate fact from fiction and take the time to shop coverage around.
If you currently have car insurance, you stand a good chance to be able to save some money using this information. Finding affordable coverage is quite easy. But car owners can benefit by having an understanding of how the larger insurance companies price insurance differently and use this information to your advantage.
How to shop auto insurance online
Shopping for lower auto insurance rates can be a daunting task if you don’t know the easiest way. You can spend your afternoon discussing policy coverages with agents in your area, or you can stay home and use online quotes to maximize your effort.
Most car insurance companies belong to a marketplace that allows shoppers to enter their policy data once, and at least one company provides a quote. This prevents consumers from doing form submissions to each individual auto insurance company.
To use this form to compare rates enter your zip code here.
The single downside to pricing coverage this way is you cannot specify the insurers you want to price. So if you want to select specific providers for rate comparison, we put together a list of auto insurance companies in your area. Click to enter zip code.
Whichever way you choose to compare rates, make darn sure you compare the exact same coverage limits for each quote you get. If your comparisons have different liability limits it will be very difficult to find the best deal for your Chevy Malibu Hybrid. Even a minor difference in insurance coverages or limits could mean much higher rates. And when quoting auto insurance, remember that making a lot of price comparisons gives you a better chance of getting a lower rate than you’re paying now. Not every company provides online price quotes, so it’s necessary to compare price estimates from those companies as well.
Take these seven policy discounts and save
Auto insurance is not an enjoyable expense, but there could be available discounts to help offset the cost. Most are applied at the time of quoting, but lesser-known reductions have to be manually applied before you get the savings.
- Policy Bundle Discount – If you have multiple policies and place coverage with the same company you could earn a discount of over 10 percent off each policy depending on the company.
- Theft Prevention Discount – Vehicles with anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
- Accident-Free Discounts – Good drivers with no accidents pay much less compared to drivers who are more careless.
- Discounts for Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- New Vehicle Savings – Putting auto insurance coverage on a new car may earn a small discount compared to insuring an older model.
- Anti-lock Brakes – Vehicles with anti-lock braking systems have fewer accidents so you can save 10 percent or more.
- College Student – Youth drivers living away from home attending college without a vehicle on campus can receive lower rates.
It’s important to understand that some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. So even though you would think it’s possible to get free car insurance, nobody gets a free ride.
Larger auto insurance companies and some of their more popular discounts include:
- GEICO may have discounts that include multi-vehicle, membership and employees, military active duty, anti-lock brakes, daytime running lights, and emergency military deployment.
- Mercury Insurance has discounts for accident-free, annual mileage, good driver, anti-theft, and age of vehicle.
- Farmers Insurance discounts include good student, business and professional, homeowner, distant student, early shopping, and alternative fuel.
- Auto-Owners Insurance may offer discounts for company car, air bags, multi-policy, paperless, safe driver, and paid in full.
- Liberty Mutual may include discounts for teen driver discount, good student, safety features, preferred payment discount, exclusive group savings, new vehicle discount, and newly retired.
- SAFECO offers discounts for safe driver, anti-lock brakes, teen safety rewards, anti-theft, and homeowner.
- Progressive offers premium reductions for good student, continuous coverage, homeowner, multi-vehicle, online quote discount, multi-policy, and online signing.
- USAA policyholders can earn discounts including defensive driver, military installation, safe driver, good student, multi-vehicle, and annual mileage.
When quoting, ask each company or agent how many discounts you can get. Savings may not be available in your area. If you would like to choose from a list of auto insurance companies that offer some of these discounts, enter your zip code here.
Which policy gives me the best coverage?
When it comes to buying the best auto insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions could help you determine whether you might need professional guidance.
- Do I benefit by insuring my home with the same company?
- Does having multiple vehicles earn me a discount?
- Is my business laptop covered if it gets stolen from my vehicle?
- Are my friends covered when driving my car?
- Are rock chip repairs covered?
- Will I lose any money if I cancel my policy before it expires?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out your zip code.
Insurance coverage breakdown
Understanding the coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.
Collision coverages – This pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like scraping a guard rail, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.
Coverage for medical expenses – Med pay and PIP coverage pay for immediate expenses for things like doctor visits, ambulance fees, X-ray expenses and EMT expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers 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. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Liability insurance – This provides protection from injuries or damage you cause to other people or property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims such as repair costs for stationary objects, court costs and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.
Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as fire damage, rock chips in glass and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
More choices the merrier
Budget-friendly car insurance can be purchased from both online companies and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates. Some car insurance companies may not provide internet price quotes and these small insurance companies provide coverage only through independent agents.
As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. There are many occasions where an insured cut uninsured motorist or liability limits only to regret that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
For more information, link through to the resources below:
Rates by U.S. City
|New York City, NY||$2,127|
|Los Angeles, CA||$2,301|
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||$98|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.