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 insurance rates for a Chevrolet Impala are $1,302 a year with full coverage. Comprehensive costs on average $240 a year, collision costs $474, and liability coverage is $430. Buying just liability costs around $486 a year, with insurance for high-risk drivers costing around $2,830. Teenage drivers pay the highest rates at $4,994 a year or more.

Average premium for full coverage: $1,302

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Impala trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how location impacts car insurance rates.

The ranges above demonstrate why it is important to compare rates quotes based on a specific location and risk profile, rather than using average rates.

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

Additional Rate Analysis

The chart below details estimated Chevrolet Impala insurance rates for different risk profiles and scenarios.

• The best discount rate is $750
• Raising to $1,000 deductibles will save around $1,140 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,302
• Using low $100 deductibles will increase the cost to $1,618
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,830 or more
• The price for full coverage for a teenage driver may cost $4,994

View Chart as Image

Insurance prices for a Chevrolet Impala are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

The state you live in also has a big influence on Chevrolet Impala insurance rates. A middle-age driver might find prices as low as $940 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,760 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $480 a year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 137% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices may be quite different from one company to the next.

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 Cheapest Chevrolet Impala Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around every other policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The following items are a recap of the ideas that were touched on above.

• 16 to 18-year-old drivers pay higher prices, costing up to $416 a month including comprehensive and collision insurance
• Drivers that have major violations or accidents may be required to pay an average of $1,530 more each year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $475 each year
• You may be able to save as much as $160 per year simply by quoting early and online

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.