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 $1,252 a year for full coverage insurance. Comprehensive insurance costs around $218, collision insurance costs $424, and liability is $452. Liability-only coverage costs around $504 a year, and high-risk coverage costs $2,726 or more. Teenage drivers receive the highest rates at up to $4,868 a year.

Average premium for full coverage: $1,252

Rate estimates for individual coverage type:

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Impala trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how location impacts auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $725
• Raising to $1,000 deductibles will save about $144 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,252
• Using more expensive low deductibles will cost an extra $284 every year
• At-risk drivers who are prone to accidents and violations could pay at least $2,726
• The cost for full coverage for a teen driver with full coverage can be $4,868

View Chart as Image

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

An older driver with no driving violations and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $4,800 a year. View Rates by Age

Where you live also has a big influence on Chevrolet Impala insurance prices. A middle-age driver might find rates as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,690 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $430 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 133% more than a normal 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 the Right Chevrolet Impala Insurance

Saving money on car insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at least every other year by requesting quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a quick rundown of the car insurance concepts touched on above.

• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,470 more every year than a driver with a clean driving record
• It is possible to save up to $150 per year just by shopping early and online
• Increasing deductibles can save around $425 each year
• Policyholders who may need additional liability coverage will pay an extra $500 annually to raise from a minimum limit to 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.