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 prices for a Chevrolet Impala are $1,284 every 12 months including full coverage. Comprehensive insurance costs approximately $226 a year, collision costs $458, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $2,800 or more. Teens receive the highest rates at $4,972 a year or more.

Average premium for full coverage: $1,284

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Impala trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why it is important to compare rates using their specific location and their own driving history, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $740
• Drivers who choose higher $1,000 deductibles will pay $1,128 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,284
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $304 every year
• Higher-risk drivers with serious driving violations could pay around $2,800 or more
• The cost to insure a teen driver can cost $4,972 a year

View Chart as Image

Auto insurance rates for a Chevrolet Impala can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Impala.

Choosing higher comprehensive and collision insurance deductibles could save up to $460 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 130% more than the average policy. View High Risk Driver Rates

Where you 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 have to pay at least $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Every company calculates rates differently, and quoted rates can be significantly different.

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 Shop for More Affordable Chevrolet Impala Insurance

Saving money on car insurance not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to shop around every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

Below you'll find a summary of the material that was raised in the charts and tables above.

• Policyholders who purchase more liability protection will pay approximately $490 per year to go from a minimum limit to a 250/500 level
• Youthful drivers have the highest car insurance rates, as much as $414 per month if comprehensive and collision insurance is included
• Higher risk drivers who have multiple accidents or major violations could be charged and average of $1,520 more per year than a low-risk driver
• Increasing deductibles could save as much as $450 each year

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.