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.

Estimated insurance rates for a Chevrolet Impala are $1,284 a year including full coverage. Comprehensive costs an estimated $226 each year, collision costs $458, and liability costs $442. A policy with only liability insurance costs as little as $496 a year, with a high-risk policy costing around $2,800. Teenage drivers pay the most at $4,972 a year or more.

Average premium for full coverage: $1,284

Premium estimates broken down by type of coverage:

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Impala models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location impacts insurance prices.

These rate differences highlight why all drivers should compare rates for a targeted area and risk profile, instead of using average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Chevrolet Impala insurance rates for other coverage scenarios.

• The best discount rate is $740
• Drivers who choose higher $1,000 deductibles will pay approximately $156 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,284
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,588
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,800 or more
• An auto insurance policy for full coverage for a teen driver can cost as much as $4,972 a year

View Chart as Image

Car insurance prices for a Chevrolet Impala also have a wide range based on your driving characteristics, the model of your Impala, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Chevrolet Impala insurance prices. A 40-year-old driver could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $460 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, so rate quotes will be substantially 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 Low Cost Chevrolet Impala Insurance

Finding better rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, refrain from filing small claims, and not having any coverage lapses. Spend time shopping around at least once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a review of the primary concepts that were touched on above.

• You may be able to save approximately $150 per year simply by quoting online in advance
• Higher risk drivers who have several accidents or serious violations may pay on average $1,520 more annually for car insurance
• Increasing policy deductibles can save around $450 each year
• Teenagers have the highest car insurance prices, with the cost nearing $414 per month if full coverage is included

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.