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 insurance rates for a Chevrolet Impala are $1,284 a year for full coverage insurance. Comprehensive insurance costs an estimated $226, collision insurance costs $458, and liability insurance is estimated at $442. A policy with just liability insurance costs approximately $496 a year, and coverage for high-risk drivers costs $2,800 or more. Teens receive the highest rates at up to $4,972 a year.

Average premium for full coverage: $1,284

Rate estimates broken down by individual coverage type:

Full coverage includes $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all Impala models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how geographic area affects insurance prices.

These examples illustrate why everyone should get quotes for a targeted area and risk profile, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below illustrates average Chevrolet Impala insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $740
• Choosing higher $1,000 deductibles can save approximately $156 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,284
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $304 a year
• High-risk insureds with serious driving violations could pay up to $2,800
• The cost for full coverage for a teen driver for full coverage can cost as much as $4,972 each year

View Chart as Image

Insurance rates for a Chevrolet Impala can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Chevrolet Impala insurance rates. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $460 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,500 to $2,100 additional per year, depending on your age. Chevrolet Impala insurance for high-risk drivers ranges anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates

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 More Affordable Chevrolet Impala Insurance

Saving money on Chevrolet Impala insurance takes having a good driving record, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates every couple of years by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The next list is a summary of the material that was presented in the illustrations above.

• Drivers who want increased levels of liability coverage will pay approximately $490 annually to raise limits from a minimum limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, costing up to $414 per month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations pay on average $1,520 more annually to buy Chevrolet Impala insurance
• Increasing 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.