Chevrolet Impala Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jul 22, 2024

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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 prices for a Chevrolet Impala are $1,302 every 12 months including full coverage. Comprehensive insurance costs approximately $240, collision costs $474, and liability insurance is $430. A liability-only policy costs around $486 a year, with high-risk insurance costing $2,830 or more. 16-year-old drivers receive the highest rates at $4,994 a year or more.

Average premium for full coverage: $1,302

Rate estimates by individual coverage type:

Comprehensive $240
Collision $474
Liability $430

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

Price Range by Coverage and Risk

For a driver around age 40, prices range go from the cheapest price of $486 for the bare minimum liability coverage to the much higher price of $2,830 for a driver that may need high-risk insurance.

Liability Only $486
Full Coverage $1,302
High Risk $2,830

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $977
Small Cities $1,367
Large Cities $1,758

These examples highlight why everyone should compare rates quotes using their specific location and their own driving history, rather than relying on rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Information

The chart below breaks down estimated Chevrolet Impala insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $750
  • Raising to $1,000 deductibles will save $162 every year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,302
  • Buying pricier low deductibles costs an extra $316 a year
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,830 or more
  • The cost to insure a teen driver for full coverage can cost $4,994

View Chart as Image

Chevrolet Impala insurance cost comparison chart
Column chart showing full coverage Chevrolet Impala insurance prices range from $750 to $4,994

Insurance rates for a Chevrolet Impala can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Impala.

Opting for high physical damage deductibles can reduce rates by up to $480 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 extra per year, depending on your age. Chevrolet Impala insurance for high-risk drivers is expensive and can cost anywhere from 44% to 137% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Chevrolet Impala insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,860 on average in Louisiana, New York, and Michigan.

Chevrolet Impala Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,176 -$126 -9.7%
Alaska $1,000 -$302 -23.2%
Arizona $1,080 -$222 -17.1%
Arkansas $1,302 -$0 0.0%
California $1,482 $180 13.8%
Colorado $1,242 -$60 -4.6%
Connecticut $1,338 $36 2.8%
Delaware $1,472 $170 13.1%
Florida $1,626 $324 24.9%
Georgia $1,200 -$102 -7.8%
Hawaii $934 -$368 -28.3%
Idaho $880 -$422 -32.4%
Illinois $970 -$332 -25.5%
Indiana $980 -$322 -24.7%
Iowa $878 -$424 -32.6%
Kansas $1,238 -$64 -4.9%
Kentucky $1,774 $472 36.3%
Louisiana $1,926 $624 47.9%
Maine $802 -$500 -38.4%
Maryland $1,074 -$228 -17.5%
Massachusetts $1,042 -$260 -20.0%
Michigan $2,262 $960 73.7%
Minnesota $1,088 -$214 -16.4%
Mississippi $1,558 $256 19.7%
Missouri $1,154 -$148 -11.4%
Montana $1,400 $98 7.5%
Nebraska $1,026 -$276 -21.2%
Nevada $1,558 $256 19.7%
New Hampshire $938 -$364 -28.0%
New Jersey $1,456 $154 11.8%
New Mexico $1,152 -$150 -11.5%
New York $1,370 $68 5.2%
North Carolina $750 -$552 -42.4%
North Dakota $1,066 -$236 -18.1%
Ohio $900 -$402 -30.9%
Oklahoma $1,336 $34 2.6%
Oregon $1,192 -$110 -8.4%
Pennsylvania $1,242 -$60 -4.6%
Rhode Island $1,734 $432 33.2%
South Carolina $1,178 -$124 -9.5%
South Dakota $1,098 -$204 -15.7%
Tennessee $1,140 -$162 -12.4%
Texas $1,568 $266 20.4%
Utah $962 -$340 -26.1%
Vermont $892 -$410 -31.5%
Virginia $780 -$522 -40.1%
Washington $1,006 -$296 -22.7%
West Virginia $1,192 -$110 -8.4%
Wisconsin $902 -$400 -30.7%
Wyoming $1,158 -$144 -11.1%

View Chart as Image

Chevrolet Impala insurance rates by U.S. city

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Chevrolet Impala Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Chevrolet Impala LS $1,262 $105
Chevrolet Impala LT $1,302 $109
Chevrolet Impala LTZ $1,380 $115

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.

Chevrolet Impala Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Chevrolet Impala $240 $474 $430 $1,302
2019 Chevrolet Impala $226 $458 $442 $1,284
2018 Chevrolet Impala $218 $424 $452 $1,252
2017 Chevrolet Impala $208 $400 $456 $1,222
2016 Chevrolet Impala $200 $358 $460 $1,176
2015 Chevrolet Impala $188 $330 $460 $1,136
2014 Chevrolet Impala $180 $310 $464 $1,112
2013 Chevrolet Impala $176 $288 $474 $1,096
2012 Chevrolet Impala $164 $268 $474 $1,064
2011 Chevrolet Impala $158 $244 $478 $1,038
2010 Chevrolet Impala $148 $222 $474 $1,002
2009 Chevrolet Impala $140 $202 $474 $974
2008 Chevrolet Impala $134 $182 $468 $942
2007 Chevrolet Impala $132 $178 $460 $928
2006 Chevrolet Impala $130 $168 $452 $908
2005 Chevrolet Impala $120 $160 $446 $884
2004 Chevrolet Impala $116 $152 $442 $868

Rates are averaged for all Chevrolet Impala models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for More Affordable Chevrolet Impala Insurance

Saving money on Chevrolet Impala insurance consists of being a safe and courteous driver, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

Below is a summary of the data that was covered above.

  • You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
  • Drivers who purchase higher levels of liability will pay around $470 per year to raise from a minimum limit to a 250/500 level
  • Teenage drivers are expensive to insure, as much as $416 per month if they have full coverage
  • High-risk drivers who have multiple accidents or major violations could be charged and average of $1,530 more per year for auto insurance

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.

 

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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.

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.

Rates by Driver Age

Chevrolet Impala Insurance Rates by Driver Age
Driver Age Premium
16 $4,994
20 $3,030
30 $1,348
40 $1,302
50 $1,192
60 $1,168

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Impala Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,470
$500 $1,302
$1,000 $1,140

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Impala Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,302
50/100 $1,466
100/300 $1,574
250/500 $1,853
100 CSL $1,509
300 CSL $1,746
500 CSL $1,918

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Impala Insurance Rates for High Risk Drivers
Age Premium
16 $7,108
20 $4,828
30 $2,882
40 $2,830
50 $2,706
60 $2,682

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 $184

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $95
5-yr Claim Free $84
Paid in Full/EFT $58
Advance Quote $64
Online Quote $92
Total Discounts $552
Rate after discounts $750

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

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