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.

Estimated insurance rates for a Chevrolet Impala are $1,284 a year including full coverage. Comprehensive costs an estimated $226, collision costs $458, and liability costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing around $2,800. Teenage drivers pay the most at $4,972 a year or more.

Average premium for full coverage: $1,284

Premium estimates broken down by type of coverage:

Price estimates include $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Impala trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Chevrolet Impala insurance rates for other coverage scenarios.

• The best discount rate is $740
• Using higher $1,000 deductibles will save approximately $156 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,284
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,588
• High-risk insureds who are prone to accidents and violations could pay up to $2,800 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $4,972 or more

View Chart as Image

Auto insurance prices for a Chevrolet Impala also have a wide range based on your driving characteristics, the model of your Impala, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Chevrolet Impala insurance prices. A driver around age 40 might see prices as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $460 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be from 42% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 Cheaper Chevrolet Impala Insurance

Finding better rates on insurance for a Chevrolet Impala requires having a good driving record, having good credit, refrain from filing small claims, and qualifying for all possible discounts. Invest time comparing rates every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a condensed summary of the material that was covered in the charts and tables above.

• Insureds who want increased levels of liability coverage will pay an extra $490 per year to increase from 30/60 bodily injury limits to 250/500 limits
• Drivers age 20 and younger are the costliest to insure, with the cost nearing $414 per month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,520 more annually to buy Chevrolet Impala insurance
• Increasing policy deductibles can save around $450 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.