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Chevrolet Malibu Insurance Rates

Chevrolet Malibu insurance

Estimated insurance prices for a Chevrolet Malibu are $1,366 every 12 months with full coverage. Comprehensive insurance costs around $306 each year, collision insurance costs $512, and liability costs around $390. A liability-only policy costs as low as $452 a year, and high-risk insurance costs $2,940 or more. Teens pay the most at up to $5,052 a year.

Average premium for full coverage: $1,366

Premium estimates for type of coverage:

Comprehensive $306
Collision $512
Liability $390

Includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and Malibu models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Chevrolet Malibu range from the cheapest price of $452 for just the minimum liability insurance to a high rate of $2,940 for a driver that may need high-risk insurance.

Liability Only $452
Full Coverage $1,366
High Risk $2,940

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance rates.

Rural Areas $1,025
Small Cities $1,434
Large Cities $1,844

These rate differences demonstrate why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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Additional Rate Analysis

The chart below details average Chevrolet Malibu insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $792
  • Using higher $1,000 deductibles will save about $186 annually
  • The average price for a 40-year-old good driver using $500 deductibles is $1,366
  • Selecting low deductibles for physical damage coverage costs an extra $358 annually
  • High-risk insureds with serious driving violations could pay at least $2,940
  • An auto insurance policy to insure a 16-year-old driver can be $5,052 or more

View Chart as Image

Chevrolet Malibu insurance cost comparison chart
Column chart showing Chevrolet Malibu insurance prices range from $792 to $5,052 for full coverage

Auto insurance prices for a Chevrolet Malibu also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $550 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can be from 44% to 131% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Chevrolet Malibu insurance prices. A driver around age 40 might see prices as low as $980 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,850 on average in Florida, Michigan, and New York.

Chevrolet Malibu Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,236-$130-9.5%
Alaska$1,048-$318-23.3%
Arizona$1,134-$232-17.0%
Arkansas$1,366-$00.0%
California$1,556$19013.9%
Colorado$1,304-$62-4.5%
Connecticut$1,406$402.9%
Delaware$1,546$18013.2%
Florida$1,710$34425.2%
Georgia$1,262-$104-7.6%
Hawaii$980-$386-28.3%
Idaho$924-$442-32.4%
Illinois$1,016-$350-25.6%
Indiana$1,030-$336-24.6%
Iowa$924-$442-32.4%
Kansas$1,300-$66-4.8%
Kentucky$1,864$49836.5%
Louisiana$2,022$65648.0%
Maine$844-$522-38.2%
Maryland$1,128-$238-17.4%
Massachusetts$1,094-$272-19.9%
Michigan$2,374$1,00873.8%
Minnesota$1,142-$224-16.4%
Mississippi$1,636$27019.8%
Missouri$1,212-$154-11.3%
Montana$1,468$1027.5%
Nebraska$1,078-$288-21.1%
Nevada$1,638$27219.9%
New Hampshire$982-$384-28.1%
New Jersey$1,528$16211.9%
New Mexico$1,210-$156-11.4%
New York$1,438$725.3%
North Carolina$786-$580-42.5%
North Dakota$1,118-$248-18.2%
Ohio$944-$422-30.9%
Oklahoma$1,402$362.6%
Oregon$1,250-$116-8.5%
Pennsylvania$1,304-$62-4.5%
Rhode Island$1,822$45633.4%
South Carolina$1,238-$128-9.4%
South Dakota$1,152-$214-15.7%
Tennessee$1,198-$168-12.3%
Texas$1,648$28220.6%
Utah$1,010-$356-26.1%
Vermont$936-$430-31.5%
Virginia$818-$548-40.1%
Washington$1,054-$312-22.8%
West Virginia$1,252-$114-8.3%
Wisconsin$946-$420-30.7%
Wyoming$1,220-$146-10.7%

View Chart as Image

Chevrolet Malibu insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Chevrolet Malibu Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Chevrolet Malibu LS$1,294$108
Chevrolet Malibu Hybrid$1,354$113
Chevrolet Malibu LT$1,336$111
Chevrolet Malibu LTZ$1,422$119

Rates assume 2018 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.

Chevrolet Malibu Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
2018 Chevrolet Malibu$306$512$390$1,366
2017 Chevrolet Malibu$294$506$398$1,356
2016 Chevrolet Malibu$284$494$416$1,352
2015 Chevrolet Malibu$274$474$430$1,336
2014 Chevrolet Malibu$260$458$442$1,318
2013 Chevrolet Malibu$250$424$452$1,284
2012 Chevrolet Malibu$240$400$456$1,254
2011 Chevrolet Malibu$230$358$460$1,206
2010 Chevrolet Malibu$214$330$460$1,162
2009 Chevrolet Malibu$206$310$464$1,138
2008 Chevrolet Malibu$202$288$474$1,122
2007 Chevrolet Malibu$186$268$474$1,086
2006 Chevrolet Malibu$182$244$478$1,062
2005 Chevrolet Malibu$170$222$474$1,024
2004 Chevrolet Malibu$160$202$474$994
2003 Chevrolet Malibu$154$182$468$962
2002 Chevrolet Malibu$152$178$460$948
2001 Chevrolet Malibu$150$168$452$928
2000 Chevrolet Malibu$138$160$446$902
1999 Chevrolet Malibu$132$152$442$884

Rates are averaged for all Chevrolet Malibu models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Cheapest Chevrolet Malibu Insurance

Finding better rates on insurance for a Chevrolet Malibu requires being a good driver, having a good credit score, being claim-free, and possibly raising deductibles. Spend time shopping around once a year by getting quotes from direct companies, and also from several local insurance agents.

The following list is a recap of the data that was touched on above.

  • You may be able to save up to $160 per year just by quoting online in advance
  • Insureds who may need an increased level of liability coverage will pay approximately $430 every year to increase from 30/60 bodily injury limits to a 250/500 level
  • Drivers age 16 to 20 are expensive to insure, possibly costing $421 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk that have major violations or accidents pay on average $1,570 more every year than a safer driver

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Rates by Driver Age

Chevrolet Malibu Insurance Rates by Driver Age
Driver AgePremium
16$5,052
20$3,130
30$1,424
40$1,366
50$1,246
60$1,222

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Malibu Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,724
$250$1,560
$500$1,366
$1,000$1,180

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Malibu Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,366
50/100$1,500
100/300$1,598
250/500$1,851
100 CSL$1,539
300 CSL$1,754
500 CSL$1,910

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Malibu Insurance Rates for High Risk Drivers
AgePremium
16$7,202
20$4,976
30$3,004
40$2,940
50$2,804
60$2,778

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $187

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$72
Multi-vehicle$70
Homeowner$20
5-yr Accident Free$99
5-yr Claim Free$87
Paid in Full/EFT$62
Advance Quote$67
Online Quote$97
Total Discounts$574
Rate after discounts $792

Discounts are estimated and may not be available from every company or in every state.

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