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 $1,252 a year including full coverage. Comprehensive insurance costs around $218 a year, collision costs $424, and liability coverage is estimated at $452. A policy with just liability insurance costs approximately $504 a year, with coverage for high-risk drivers costing $2,726 or more. Teen drivers receive the highest rates at $4,868 a year or more.

Average premium for full coverage: $1,252

Rate estimates for individual coverage type:

Rate estimates include $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. 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 the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples highlight why it is important to get quotes for a specific zip code and risk profile, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $725
• Choosing higher $1,000 deductibles can save about $1,108 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,252
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $284 each year
• Drivers with multiple violations and an at-fault accident could pay at least $2,726 or more
• The cost for full coverage for a teenage driver can be $4,868 each year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $4,800 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 $960 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,790 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $430 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy ranges around 43% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, and rates can be significantly different from one company to the next.

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 Chevrolet Impala Insurance

Saving money on auto insurance takes not taking risks behind the wheel, having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every couple of years by quoting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following is a brief recap of the material that was covered above.

• Consumers who may need higher liability limits will pay about $500 per year to raise limits from a minimum limit to 250/500 limits
• Teens are charged the highest rates, as much as $406 per month including comprehensive and collision insurance
• Drivers who tend to receive serious violations pay on average $1,470 more every year for Impala insurance
• Increasing deductibles can save around $425 each year

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.