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.

U.S. average insurance rates for a Chevrolet Impala are $1,002 a year for full coverage insurance. Comprehensive insurance costs around $148, collision costs $222, and liability is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,168 or more. 16-year-old drivers pay the highest rates at $4,080 a year or more.

Average premium for full coverage: $1,002

Price estimates for individual coverage:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Impala models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities.

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

The ranges above illustrate why everyone should compare rates quotes for a specific zip code, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $605
• Raising to $1,000 deductibles will save about $84 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,002
• Buying pricier low deductibles will cost an additional $162 annually
• Drivers with multiple tickets or accidents could pay at least $2,168 or more
• The price that insures a 16-year-old driver for full coverage can be $4,080

View Chart as Image

Insurance prices for a Chevrolet Impala are also quite variable based on the model of your Impala, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,200 to $1,700 extra each year, depending on your age. Chevrolet Impala insurance for high-risk drivers is expensive and can cost from 42% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,000 a year. View Rates by Age

The state you live in also has a big influence on Chevrolet Impala insurance prices. A middle-age driver might find prices as low as $660 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,350 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $250 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2009 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

Getting lower rates on insurance for a Chevrolet Impala consists of avoiding accidents and claims, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Comparison shop once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The points below are a summary of the data that was covered in the above illustrations.

• It is possible to save up to $110 per year simply by quoting online well ahead of the renewal date
• Insureds who may need increased liability limits will pay around $520 annually to raise from a low limit to the 250/500 level
• Drivers under the age of 20 pay higher prices, as much as $340 a month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,170 more every year to insure a Chevrolet Impala

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.