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Chevrolet Malibu LTZ Insurance Rates

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The average insurance prices for a Chevrolet Malibu LTZ are $1,448 every 12 months for full coverage. Comprehensive costs an estimated $354 each year, collision insurance costs $572, and liability insurance costs $364. Buying just liability costs as little as $430 a year, and insurance for high-risk drivers costs around $3,106. Teenage drivers cost the most to insure at up to $5,236 a year.

Annual premium for full coverage: $1,448

Policy rates broken down by individual coverage:

Comprehensive $354
Collision $572
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, Chevrolet Malibu LTZ insurance rates range from the cheapest price of $430 for liability-only coverage to a high rate of $3,106 for coverage for higher-risk drivers.

Liability Only $430
Full Coverage $1,448
High Risk $3,106

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

Rural Areas $1,086
Small Cities $1,520
Large Cities $1,955

These price differences show why all drivers should compare rates for a targeted area and their own driving history, rather than relying on 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.

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Insurance rates for a Chevrolet Malibu LTZ also range considerably based on liability limits and deductibles, your driver profile, and the model year.

Using high physical damage deductibles could save up to $620 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Chevrolet Malibu LTZ insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied.

View Chart as Image

Chevrolet Malibu LTZ insurance cost comparison chart
Column chart showing Chevrolet Malibu LTZ insurance prices range from $837 to $5,236 for full coverage

Chart shows Chevrolet Malibu LTZ insurance rates for various coverage choices and risks. The lowest rate with discounts is $837. Drivers who use higher $1,000 deductibles will pay $1,238. The average rate for a driver around age 40 using $500 deductibles is $1,448. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $1,854. Drivers with multiple violations and accidents could be charged around $3,106. The policy rate for full coverage insurance for a teenage driver is $5,236.

Chevrolet Malibu LTZ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,308 -$140 -9.7%
Alaska $1,110 -$338 -23.3%
Arizona $1,202 -$246 -17.0%
Arkansas $1,448 -$0 0.0%
California $1,650 $202 14.0%
Colorado $1,384 -$64 -4.4%
Connecticut $1,490 $42 2.9%
Delaware $1,638 $190 13.1%
Florida $1,810 $362 25.0%
Georgia $1,338 -$110 -7.6%
Hawaii $1,040 -$408 -28.2%
Idaho $980 -$468 -32.3%
Illinois $1,078 -$370 -25.6%
Indiana $1,090 -$358 -24.7%
Iowa $978 -$470 -32.5%
Kansas $1,376 -$72 -5.0%
Kentucky $1,976 $528 36.5%
Louisiana $2,142 $694 47.9%
Maine $892 -$556 -38.4%
Maryland $1,194 -$254 -17.5%
Massachusetts $1,158 -$290 -20.0%
Michigan $2,516 $1,068 73.8%
Minnesota $1,210 -$238 -16.4%
Mississippi $1,734 $286 19.8%
Missouri $1,284 -$164 -11.3%
Montana $1,554 $106 7.3%
Nebraska $1,142 -$306 -21.1%
Nevada $1,736 $288 19.9%
New Hampshire $1,044 -$404 -27.9%
New Jersey $1,618 $170 11.7%
New Mexico $1,282 -$166 -11.5%
New York $1,526 $78 5.4%
North Carolina $834 -$614 -42.4%
North Dakota $1,186 -$262 -18.1%
Ohio $998 -$450 -31.1%
Oklahoma $1,488 $40 2.8%
Oregon $1,326 -$122 -8.4%
Pennsylvania $1,382 -$66 -4.6%
Rhode Island $1,930 $482 33.3%
South Carolina $1,312 -$136 -9.4%
South Dakota $1,222 -$226 -15.6%
Tennessee $1,268 -$180 -12.4%
Texas $1,744 $296 20.4%
Utah $1,072 -$376 -26.0%
Vermont $990 -$458 -31.6%
Virginia $866 -$582 -40.2%
Washington $1,120 -$328 -22.7%
West Virginia $1,326 -$122 -8.4%
Wisconsin $1,004 -$444 -30.7%
Wyoming $1,290 -$158 -10.9%

View Chart as Image

Chevrolet Malibu LTZ insurance rates by U.S. city

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Rates by Driver Age

Chevrolet Malibu LTZ Insurance Rates by Driver Age
Driver Age Premium
16 $5,236
20 $3,302
30 $1,518
40 $1,448
50 $1,318
60 $1,292

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Malibu LTZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,854
$250 $1,666
$500 $1,448
$1,000 $1,238

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Malibu LTZ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,448
50/100 $1,521
100/300 $1,612
250/500 $1,848
100 CSL $1,557
300 CSL $1,757
500 CSL $1,903

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Malibu LTZ Insurance Rates for High Risk Drivers
Age Premium
16 $7,480
20 $5,240
30 $3,182
40 $3,106
50 $2,960
60 $2,930

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 $196

Potential Rate Discounts

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

Discount Savings
Multi-policy $77
Multi-vehicle $73
Homeowner $20
5-yr Accident Free $107
5-yr Claim Free $93
Paid in Full/EFT $67
Advance Quote $71
Online Quote $103
Total Discounts $611
Rate after discounts $837

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

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