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 auto insurance rates for a Chevrolet Impala are $974 annually including full coverage. Comprehensive insurance costs around $140 each year, collision costs $202, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $2,102 or more. Teen drivers pay the highest rates at $3,988 a year or more.

Average premium for full coverage: $974

Price estimates for individual coverage:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Impala models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location helps determine auto insurance rates.

The ranges above highlight why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $591
• Raising to $1,000 deductibles will save about $78 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $974
• Choosing low deductibles costs an additional $146 every year
• At-risk drivers with multiple violations and an at-fault accident could pay at least $2,102 or more
• The price with full coverage for a teen driver can be $3,988

View Chart as Image

Car insurance prices for a Chevrolet Impala are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $3,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,200 to $1,700 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $230 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 $750 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,390 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different between companies.

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 Buy Affordable Chevrolet Impala Insurance

Getting lower rates on car insurance consists of avoiding accidents and claims, having a good credit score, being claim-free, and qualifying for all possible discounts. Invest time comparing rates at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief review of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,130 more every year to insure a Chevrolet Impala
• You may be able to save up to $110 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $225 each year
• Policyholders who may need increased liability limits will pay about $520 per year to raise from a low limit to higher 250/500 limits

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.