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 prices for a Chevrolet Impala are $1,284 every 12 months including full coverage. Comprehensive costs around $226, collision insurance costs $458, and liability costs around $442. A policy with only liability insurance costs as low as $496 a year, and a high-risk policy costs around $2,800. Teen drivers pay the most at up to $4,972 a year.

Average premium for full coverage: $1,284

Premium estimates for type of coverage:

Estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Impala models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects auto insurance rates.

These rate differences highlight why everyone should compare prices for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $740
• Using higher $1,000 deductibles will save about $156 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,284
• Choosing pricier low deductibles for physical damage coverage increases the price to $1,588
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,800
• An auto insurance policy to insure a 16-year-old driver for full coverage can be $4,972 or more

View Chart as Image

Car insurance prices for a Chevrolet Impala also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $460 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 extra annually, depending on your age. Chevrolet Impala insurance for high-risk drivers can be from 42% to 130% more than average. View High Risk Driver Rates

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 Missouri, New Hampshire, and Vermont, or as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Shop for Low Cost Chevrolet Impala Insurance

Finding better rates on insurance for a Chevrolet Impala requires being safe and accident-free, maintaining a good credit score, refrain from filing small claims, and consideration of higher deductibles. Invest the time to compare rates every couple of years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a review of the material that was presented in the illustrations above.

• Insureds who may need more liability protection will pay about $490 per year to increase from 30/60 bodily injury limits to a 250/500 level
• Youthful drivers are the costliest to insure, with the cost nearing $414 per month if the policy includes full coverage
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,520 more every year than a low-risk driver
• Increasing policy deductibles could save as much as $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.