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 for full coverage. Comprehensive insurance costs around $226 a year, collision costs $458, and liability coverage is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance 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:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Impala trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These examples show why it is important to get quotes for a specific zip code, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $740
• Choosing higher $1,000 deductibles can save about $1,128 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,284
• Using low $100 deductibles for comp and collision coverage will cost an additional $304 each year
• Drivers who are prone to accidents and violations could pay at least $2,800 or more
• The cost that insures a teenage driver can be $4,972 each year

View Chart as Image

Insurance rates for a Chevrolet Impala can also vary considerably based on the trim level of your Impala, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges around 42% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Chevrolet Impala insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $460 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know your exact price is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, so the rates 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 the Best Cheap Chevrolet Impala Insurance

Saving money on auto insurance takes having a decent driving record, having above-average credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Compare prices every other policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a quick review of the ideas that were covered in the above illustrations.

• 16 to 18-year-old drivers pay higher rates, costing as high as $414 per month if full coverage is included
• Drivers with a DUI or reckless driving violation pay on average $1,520 more every year than a driver with a clean driving record
• Increasing deductibles can save approximately $450 each year
• Drivers can save up to $150 per year simply by quoting early and online

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.