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 auto insurance rates for a Chevrolet Impala are $1,284 annually for full coverage. Comprehensive insurance costs approximately $226, collision costs $458, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $2,800 or more. Teenage drivers pay the most at $4,972 a year or more.

Average premium for full coverage: $1,284

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all Impala models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have fewer accident claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

These rate differences show why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below shows estimated Chevrolet Impala insurance rates for additional coverage and risk scenarios.

• The best discount rate is $740
• Raising to $1,000 deductibles will save $156 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,284
• Using pricier low deductibles costs an additional $304 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,800 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost $4,972

View Chart as Image

Insurance prices for a Chevrolet Impala also have a wide range based on the model of your Impala, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Chevrolet Impala insurance for high-risk drivers is expensive and can cost anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $460 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Chevrolet Impala insurance rates. A middle-age driver might find prices as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially 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 Cheaper Chevrolet Impala Insurance

Finding better rates on Chevrolet Impala insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at least every other year by requesting quotes from direct carriers, and also from several local insurance agents.

The list below is a condensed summary of the car insurance concepts presented in the illustrations above.

• High-risk drivers with multiple at-fault accidents pay on average $1,520 more per year for car insurance
• Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $450 each year
• Drivers who purchase higher liability limits will pay an extra $490 each year to raise from 30/60 bodily injury limits 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.