{"id":41151,"date":"2023-01-31T09:23:44","date_gmt":"2023-01-31T17:23:44","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=41151"},"modified":"2023-09-20T16:58:52","modified_gmt":"2023-09-20T23:58:52","slug":"chevrolet-malibu","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/vehicles\/chevrolet-malibu\/","title":{"rendered":"Car Insurance Quotes for Chevrolet Malibu"},"content":{"rendered":"
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How Much is Auto Insurance for Chevy Malibu?<\/h2>\n
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The average annual premium for a Chevrolet Malibu is $504 for minimum coverage and $1,749 for full coverage. Many factors go into determining rates, including your age, gender and driving record. That\u2019s why your car insurance<\/a> won\u2019t cost the same as your best friend\u2019s coverage.<\/span><\/p>\n

If you finance or lease your vehicle, you\u2019ll need full coverage<\/a>, while those who own outright can get by with the state minimum<\/a>, although it doesn\u2019t provide much in the way of financial protection.<\/span><\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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Comparing Insurance Costs for Your Malibu to Other Makes and Models<\/h2>\n
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There are many reasons why your insurance costs are different than other Chevy models like the Cruze, Equinox, Traverse, and Silverado and other makes of vehiles. Some factors that play a role include your model’s price of parts and labor, safety features, reliability record, and model year.<\/span><\/p>\n <\/div>\n

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Make\/Model<\/th>\n Annual Insurance<\/th>\n <\/tr>\n
Chevrolet Malibu<\/b><\/td>\n $1,749<\/b><\/td>\n <\/tr>\n
Mazda 3<\/td>\n $1,668<\/td>\n <\/tr>\n
Nissan Altima<\/td>\n $1,788<\/td>\n <\/tr>\n
Toyota Camry<\/td>\n $1,655<\/td>\n <\/tr>\n
Honda Accord<\/td>\n $1,733<\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n
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Types of Car Coverage for Sedans<\/h2>\n
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Depending on your location, you may have a range of options available for protection and coverage, as well as some that are required. The two basic ones are full and state minimum.<\/p>\n

Full Coverage<\/h3>\n

Full coverage offers substantially greater protection. It includes state minimum liability and comprehensive<\/a> and collision<\/a> coverage, which protects you financially in wrecks, as well as events out of your control, such as hail damage and theft.<\/p>\n

Depending on the insurer, policyholders pay a few hundred dollars more per year for this benefit. However, it is worth the greater peace of mind knowing you are better covered in the event of an accident. Motorists also add increased protection in the form of roadside assistance<\/a> and other optional benefits such as rental vehicle reimbursement<\/a>.<\/p>\n

If you are leasing or financing, expect to be required to pay for this policy. Banks and lenders want to preserve their vehicle’s value until you\u2019ve paid it off.<\/p>\n

State Minimum Liability<\/h3>\n

State minimum liability<\/a> represents the minimum amount of coverage required by the state where you reside. Different states have different limits.<\/p>\n

For example, Texas drivers must meet liability limits of $30,000 for bodily injury<\/a> (per person), $60,000 for bodily injury (per accident), and $25,000 in property damage<\/a> liability per accident.<\/p>\n

In turn, Louisiana drivers must carry limits of 15\/30\/25.<\/p>\n

This will not pay for damages sustained by you and your property. It will only cover the costs of injuries\/damages suffered by other people and their property in an accident for which you are determined to be at fault.<\/p>\n

Some states, such as Kansas, require uninsured motorist coverage<\/a> and personal injury protection<\/a>, in addition to liability.<\/p>\n

\"Chevrolet<\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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How Does a DUI Affect Rates for a Chevy?<\/h2>\n
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If you have been convicted of a DUI<\/a>, expect it to increase your premiums, depending on the severity. However, elevated premiums usually remain in force for a minimum of three years.<\/p>\n

Other factors that insurers use to determine rate hikes after a DUI conviction include age, type of vehicle, the state you reside in, driving record, and date of most recent DUI conviction. Racking up multiple DUI convictions within a short period (e.g., 2-3 years) can even force some insurers to deny you coverage altogether.<\/p>\n

Depending on the state, you may be required to file an SR-22,<\/a> a proof of financial responsibility that tells the state you are carrying the minimum required coverage.<\/p>\n

Fortunately, there are tactics drivers with DUI convictions can apply to save on their policies. These include enrolling in defensive driving courses<\/a>, installing an anti-theft device<\/a>, or installing an in-vehicle telematics device\/downloading an app-based program, allowing your carrier to track and monitor your driving behavior.<\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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What Are Some Auto Discounts Available?<\/h2>\n
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There are several ways to save on your policy with car insurance discounts<\/a>.<\/p>\n <\/div>\n \n

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Some of the best discounts you can receive come with having a clean driving record. No claims or moving violations for the past 3-5 years can save you a pretty penny as a safe driver<\/a>. Other ways to save include:<\/p>\n