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 $1,328 every 12 months for full coverage insurance. Comprehensive insurance costs on average $268, collision insurance costs $512, and liability insurance is $390. Liability-only insurance costs around $452 a year, and high-risk driver insurance costs $2,876 or more. 16-year-old drivers pay the most at up to $4,992 a year.

Average premium for full coverage: $1,328

Premium estimates by type of coverage:

Rates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different Impala trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than congested cities. The price range example below illustrates the effect of location on car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below illustrates average Chevrolet Impala insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $763
• Raising to $1,000 deductibles will save around $178 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,328
• Buying more expensive low deductibles costs an extra $342 a year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,876
• An auto insurance policy to insure a teen driver with full coverage may cost $4,992

View Chart as Image

Insurance prices for a Chevrolet Impala also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Impala.

Opting for high physical damage deductibles can reduce prices by up to $520 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Chevrolet Impala insurance rates. A middle-age driver might find prices as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,790 on average in Michigan, New York, and Florida.

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 Cheaper Chevrolet Impala Insurance

Finding better rates on Chevrolet Impala insurance consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to shop around at least every two years by requesting rates from direct insurance companies, and also from several local insurance agents.

Below is a summary of the information that was covered in this article.

• Increasing policy deductibles could save as much as $525 each year
• It is possible to save as much as $160 per year just by shopping early and online
• Drivers who require higher levels of liability will pay around $430 annually to raise from 30/60 bodily injury limits to a 250/500 level
• Teenage drivers pay higher prices, with premiums being up to $416 per month if full coverage is included
• High-risk drivers that have multiple accidents or serious violations pay on average $1,550 more each year for auto insurance

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.