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 for full coverage. Comprehensive insurance costs approximately $226 each year, collision costs $458, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance 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:

These estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Impala models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Rural locations tend to have fewer accident claims than congested cities.

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

These examples show why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below shows estimated Chevrolet Impala insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $740
• Drivers who choose higher $1,000 deductibles will pay $156 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,284
• Buying low deductibles for comprehensive and collision insurance costs an additional $304 annually
• Drivers with multiple tickets or accidents could pay around $2,800 or more
• The cost with full coverage for a 16-year-old driver can cost $4,972 a year

View Chart as Image

Auto insurance rates for a Chevrolet Impala can also vary considerably based on the trim level of your Impala, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $460 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Chevrolet Impala insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, and quoted 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 Cheap Chevrolet Impala Insurance

Saving money on insurance for a Chevrolet Impala not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Invest time comparing rates at least every other year by requesting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The following is a brief summary of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,520 more per year for Impala insurance
• Drivers can save around $150 per year simply by quoting online in advance
• Increasing deductibles could save up to $450 each year
• Insureds who purchase higher liability limits will pay around $490 each year to go from a minimum 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.