Chevrolet Impala Insurance Rates

Shopping around for Chevy Impala insurance quotes doesn’t have to take all of your time or cause you any sort of frustration. You should know that the average Chevrolet Impala insurance rates comes to $1,342 a year, which is broken down into a $112 monthly insurance bill.

There are a variety of individual factors that influence how much insurance for a Chevrolet Impala costs, such as the age and location of the driver. We will explore details about how these rates are calculated so you can start researching companies with an expert eye.

Once you’re ready, start comparing Chevy Impala insurance cost by using our free online tool.

Average insurance rates for a Chevrolet Impala are $1,284 a year including full coverage. Comprehensive insurance costs around $226 each year, collision costs $458, and liability costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $2,800 or more. Teenage drivers receive the highest rates at $4,972 a year or more.

Average premium for full coverage: $1,284

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Impala models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities.

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

These examples highlight why all drivers should compare rates for a specific zip code, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below breaks down estimated Chevrolet Impala insurance rates for additional coverage choices and driver risks.

• The best discount rate is $740
• Drivers who choose higher $1,000 deductibles will pay about $156 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,284
• Using low deductibles for comprehensive and collision insurance will cost an additional $304 annually
• Drivers who are prone to accidents and violations could pay at least $2,800 or more
• The cost that insures a 16-year-old driver can be $4,972 a year

View Chart as Image

Car insurance rates for a Chevrolet Impala can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,900 a year. View Rates by Age

Where you live makes a big difference in Chevrolet Impala insurance prices. A 40-year-old driver could pay as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $460 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, so rate quotes can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find More Affordable Chevrolet Impala Insurance

Saving money on insurance for a Chevrolet Impala not only requires being safe and accident-free, but also having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare prices every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a summary of the coverage data touched on in this article.

• You may be able to save up to $150 per year simply by quoting online in advance
• Increasing deductibles can save approximately $450 each year
• Youthful drivers are the costliest to insure, as much as $414 per month if full coverage is purchased
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,520 more every year than a low-risk driver

By now you should have a better understanding of just how many moving parts are in play for finding cheap Impala insurance rates, such as the model year of the vehicle. For example, the cost of a 2014 Chevy Impala is less than the cost of a 2016 Chevy Impala.

Regardless of which model year you have, use our free online tool below to start comparing Chevy Impala insurance quotes from multiple companies.

 

What are the safety ratings of the Chevrolet Impala?

When quoting a driver, insurance companies will look at the Chevrolet Impala safety features and ratings of the model you drive in order to determine the risk of injury to you as well as the risk of damage to your car.

Take a look at the following safety ratings of the Chevrolet Impala with crash test results conducted by the Insurance Institute for Highway Safety (IIHS).

• Small overlap front (driver-side): Acceptable
• Small overlap front (passenger-side): N/R
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

These scores indicate that the Chevy Impala received the highest mark possible in each category with the exception of the small overlap on the driver’s side.

Chevrolet Impala Compared Against Other Vehicles in the Same Class

The IIHS classifies the Chevy Impala as a large four-door car. This is important to know because insurance companies will examine how safe the Impala is compared to the competition.

If you are curious to know how the Chevrolet Impala stacks up to other similar models, take a look at the following large sedans.

• Chrysler 300
• Dodge Charger
• Toyota Avalon

Ultimately, the IIHS reports that the Chevy Impala has a bodily injury loss percentage of 22 percent and a property damage loss percentage of 7 percent. Both of these figures are a bit higher than the average for this vehicle class but that doesn’t necessarily mean that insurance rates will go up as a result.

Now that we have gone into great detail about Chevrolet Impala costs as it relates to insurance, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Chevy Impala quotes from top companies today.