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.

The average auto insurance rates for a Chevrolet Impala are $1,284 annually for full coverage. Comprehensive insurance costs an estimated $226 a year, collision insurance costs $458, and liability insurance is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs $2,800 or more. Teen drivers cost the most to insure at up to $4,972 a year.

Average premium for full coverage: $1,284

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Impala trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than larger metro areas. The diagram below illustrates how rural and urban location affects insurance prices.

The examples above show why it is important to get quotes for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Rate Comparisons

The chart below shows average Chevrolet Impala insurance rates for other coverage scenarios.

• The lowest rate with discounts is $740
• Choosing higher $1,000 deductibles can save approximately $1,128 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,284
• Choosing low $100 deductibles for comp and collision coverage costs an additional $304 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,800
• Policy cost with full coverage for a teen driver can cost as much as $4,972 each year

View Chart as Image

Car insurance rates for a Chevrolet Impala also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $460 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Chevrolet Impala insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 cheaper rates on Chevrolet Impala insurance takes avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to shop around at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a condensed summary of the primary concepts that were raised in the charts and tables above.

• Drivers can save approximately $150 per year just by quoting early and online
• High-risk drivers with multiple at-fault accidents may pay on average $1,520 more annually to insure a Chevrolet Impala
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Drivers under the age of 20 have the highest car insurance rates, costing up to $414 each month if comprehensive and collision insurance 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.