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 $1,284 annually for full coverage insurance. Comprehensive insurance costs around $226 a year, collision costs $458, and liability coverage costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $2,800 or more. Teen drivers pay the highest rates at $4,972 a year or more.

Average premium for full coverage: $1,284

Price estimates for individual coverage:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Impala trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $740
• Drivers who choose higher $1,000 deductibles will pay about $1,128 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,284
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $304 each year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,800 or more
• The price with full coverage for a teenage driver can be $4,972 a year

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

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $460 a year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Chevrolet Impala insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to get quotes and see how they stack up. Every company uses a different rate calculation, and quoted prices may be quite 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

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief summary of the information covered above.

• It is possible to save up to $150 per year simply by quoting early and online
• Teens are expensive to insure, as much as $414 a month if full coverage is included
• Increasing physical damage deductibles could save up to $450 each year
• Drivers that tend to have accidents or serious violations pay on average $1,520 more every year for Impala insurance
• Consumers who may need higher liability limits will pay about $490 annually to go 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.