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Chevrolet Malibu LS Insurance Rates

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Average insurance prices for a Chevrolet Malibu LS are $1,310 every 12 months with full coverage. Comprehensive costs approximately $312 each year, collision costs $476, and liability costs $364. Buying just liability costs as little as $430 a year, with insurance for high-risk drivers costing around $2,802. Teen drivers receive the highest rates at $4,804 a year or more.

Annual premium for full coverage: $1,310

Rate estimates by individual coverage:

Comprehensive $312
Collision $476
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Chevrolet Malibu Trim Level

For the average 40-year-old driver, prices go from the cheapest price of $430 for liability-only coverage to a high rate of $2,802 for coverage for higher-risk drivers.

Liability Only $430
Full Coverage $1,310
High Risk $2,802

Price Range by Location

Your location can make a big difference on the price of insurance. Rural locations tend to have more infrequent collision claims than larger metro areas.

The graphic below illustrates the difference location can make on auto insurance prices.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

These differences demonstrate why all drivers should compare rates using their specific location and their own driving history, instead of making a decision based on 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.

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Auto insurance rates for a Chevrolet Malibu LS can also vary considerably based on policy deductibles and limits, your driving record, and the replacement cost of your Malibu.

Choosing high deductibles could save up to $530 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 128% more than average. View High Risk Driver Rates

Where you live makes a big difference in Chevrolet Malibu LS insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

With so much variability in rates, the best way to find out which auto insurance is cheapest is to do a rate comparison from multiple companies. Every company uses a different rate calculation, and quoted rates can be significantly different.

View Chart as Image

Chevrolet Malibu LS insurance cost comparison chart
Column chart showing Chevrolet Malibu LS insurance prices range from $767 to $4,804 for full coverage

The chart above shows Chevrolet Malibu LS insurance rates for different coverage choices and risks. The cheapest discount rate is $767. Drivers who choose higher $1,000 deductibles will pay $1,132. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,310. Using lower $100 deductibles for comp and collision coverage can cost as much as $1,656. High risk drivers could be charged as much as $2,802. The policy rate for full coverage insurance for a teenager is $4,804.

Chevrolet Malibu LS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,184 -$126 -9.6%
Alaska $1,006 -$304 -23.2%
Arizona $1,090 -$220 -16.8%
Arkansas $1,310 -$0 0.0%
California $1,494 $184 14.0%
Colorado $1,254 -$56 -4.3%
Connecticut $1,350 $40 3.1%
Delaware $1,486 $176 13.4%
Florida $1,640 $330 25.2%
Georgia $1,210 -$100 -7.6%
Hawaii $942 -$368 -28.1%
Idaho $886 -$424 -32.4%
Illinois $978 -$332 -25.3%
Indiana $988 -$322 -24.6%
Iowa $886 -$424 -32.4%
Kansas $1,246 -$64 -4.9%
Kentucky $1,788 $478 36.5%
Louisiana $1,940 $630 48.1%
Maine $808 -$502 -38.3%
Maryland $1,082 -$228 -17.4%
Massachusetts $1,048 -$262 -20.0%
Michigan $2,280 $970 74.0%
Minnesota $1,098 -$212 -16.2%
Mississippi $1,570 $260 19.8%
Missouri $1,164 -$146 -11.1%
Montana $1,408 $98 7.5%
Nebraska $1,034 -$276 -21.1%
Nevada $1,572 $262 20.0%
New Hampshire $946 -$364 -27.8%
New Jersey $1,466 $156 11.9%
New Mexico $1,160 -$150 -11.5%
New York $1,382 $72 5.5%
North Carolina $756 -$554 -42.3%
North Dakota $1,074 -$236 -18.0%
Ohio $904 -$406 -31.0%
Oklahoma $1,348 $38 2.9%
Oregon $1,200 -$110 -8.4%
Pennsylvania $1,250 -$60 -4.6%
Rhode Island $1,748 $438 33.4%
South Carolina $1,190 -$120 -9.2%
South Dakota $1,106 -$204 -15.6%
Tennessee $1,150 -$160 -12.2%
Texas $1,580 $270 20.6%
Utah $972 -$338 -25.8%
Vermont $898 -$412 -31.5%
Virginia $786 -$524 -40.0%
Washington $1,014 -$296 -22.6%
West Virginia $1,202 -$108 -8.2%
Wisconsin $908 -$402 -30.7%
Wyoming $1,168 -$142 -10.8%

View Chart as Image

Chevrolet Malibu LS insurance rates by U.S. city

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Rates by Driver Age

Chevrolet Malibu LS Insurance Rates by Driver Age
Driver Age Premium
16 $4,804
20 $2,982
30 $1,368
40 $1,310
50 $1,194
60 $1,170

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Malibu LS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,656
$250 $1,498
$500 $1,310
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Malibu LS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,310
50/100 $1,383
100/300 $1,474
250/500 $1,710
100 CSL $1,419
300 CSL $1,619
500 CSL $1,765

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Malibu LS Insurance Rates for High Risk Drivers
Age Premium
16 $6,840
20 $4,728
30 $2,866
40 $2,802
50 $2,672
60 $2,644

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.

SR-22 Surcharge $175

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $93
5-yr Claim Free $83
Paid in Full/EFT $58
Advance Quote $63
Online Quote $92
Total Discounts $543
Rate after discounts $767

Discounts are estimated and may not be available from every company or in every state.

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