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 auto insurance rates for a Chevrolet Impala are $1,284 annually including full coverage. Comprehensive insurance costs on average $226 each year, collision costs $458, and liability coverage is $442. A policy with just liability insurance costs around $496 a year, with coverage for high-risk drivers costing $2,800 or more. 16-year-old drivers receive the highest rates at $4,972 a year or more.

Average premium for full coverage: $1,284

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Impala models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how your location can change car insurance rates.

These examples highlight why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using rate 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 different risk profiles and scenarios.

• The best full coverage rate is $740
• Raising to $1,000 deductibles will save around $156 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,284
• Buying low deductibles costs an additional $304 each year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,800 or more
• The cost with full coverage for a teenage driver may cost $4,972

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $460 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Chevrolet Impala insurance rates. A middle-age driver might find rates as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates can be significantly different between companies.

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 Buy Affordable Chevrolet Impala Insurance

Saving money on auto insurance consists of having a decent driving record, having good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around every year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a brief review of the coverage data illustrated above.

• You may be able to save as much as $150 per year simply by quoting online in advance
• Increasing deductibles could save up to $450 each year
• 16 to 18-year-old drivers pay higher rates, as much as $414 per month if they have full coverage
• Drivers with DUI or reckless driving convictions pay on average $1,520 more each year than a driver with a clean driving record

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.