Chevrolet Malibu Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• The Chevrolet Malibu costs about the same as most other cars to insure.

• Liability insurance for a Malibu tends to be around $88 per month, while full coverage generally averages about $179.

• Hugo is the lowest auto insurance carrier for a Malibu.

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Malibu Overview

With new 2021 models starting at $22,140, the Chevrolet Malibu is a great car for drivers on a budget. There are five different trim levels currently available, so there's something there for every driver.

We ran through thousands of car insurance quotes on Compare.com, and we've determined that, on average, Chevrolet Malibu insurance premiums run around $188 monthly. But how does that fare against its competitors?

How Much is Car Insurance for a Chevrolet Malibu?

Based on the table above, compared to other vehicles, Chevrolet Malibu insurance prices are right about average. Malibu drivers normally pay around $179 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $88 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Comparing it to other models, the Malibu is slightly more expensive, with rates more than 5% higher than the other vehicle types offered by Chevrolet. Compared to offerings from other brands, auto insurance for a Malibu is similarly on the expensive side, with full coverage insurance prices coming in about 1% more and 6% more for liability only insurance.

When compared to all vehicles of any body type, insurance premiums for both full coverage and liability only policies run higher than average.

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Who has the Cheapest Car Insurance for a Chevrolet Malibu?

Looking for a car insurance policy for your Chevrolet Malibu? You're probably wondering which company offers the most affordable rates. Although rates can change pretty dramatically from policyholder to policyholder, the most affordable average rates for liability only insurance are sometimes as little as $37 monthly from Horace Mann. With car insurance sometimes as cheap as $39 a month, MetroMile is the next cheapest car insurance carrier.

The third, fourth, and fifth companies on the list are CaliforniaCasualty, Aspire, and Encompass. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance companies take a range of things into consideration when calculating how much to charge you. By checking quotes from many insurance carriers at once, you can guarantee you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Chevrolet Malibu?

There are a wide array of variables that car insurance companies reference to determine how much to charge for auto insurance -- and every company weighs certain factors more than others, so there's not one carrier that's the cheapest for everyone.

The sections below show a whole range of factors insurance carriers use to calculate rates:

Vehicle Age

Chevrolet has been making the Malibu for quite some time -- and that means the car's age may play a role in how much you'll pay for auto insurance. Normally, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually get lower.

From the table above, you can see the Chevrolet Malibu is in line with this trend, as the cheapest models to insure are those that are 15 years old or more, while on average, the most expensive models are Malibus that are 4 to 5 years old.

Your Age

Age is another variable that makes a big difference in how much you pay for car insurance. In the table above, you'll see that older Malibu drivers have cheaper prices than teenage Malibu drivers. Chevrolet Malibu drivers under 18 actually pay $82 more than those 25 or older.

Car insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for Malibu drivers.

Your Gender

Because women are less likely to get into accidents and get speeding tickets, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to charge women less than men. The Chevrolet Malibu follows this convention, and women pay around $11 less than men per month for insurance.

Where You Live

You may already know that things like what vehicle you drive and how old you are play a role in your car insurance premiums, but did you know that where you live can matter just as much? Since auto insurance is regulated at the state level, rates differ quite a bit depending on where you live.

For example, the average Chevrolet Malibu owner from New York pays about $193 monthly for liability coverage, while the same driver from California will pay less than 50% of that price, on average. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

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Chevrolet Malibu Car Insurance Discounts

No matter what state you call home, which vehicle you drive, or how old you are, using as many discounts as possible when it comes to your insurance policy is always important.

Not every auto insurance company will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Pay-in-full discounts for choosing to pay your entire policy rate up front, rather than by monthly payments

These discounts are great, but sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

Although you can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), there is quite a bit of it that you can influence. Below are just a few of the variables you can use to your advantage when it comes to saving money:

Your Driving Record

You've most likely noticed ads from auto insurance carriers promoting hefty savings for good drivers. It should be no surprise that your car insurance rates will get higher if you get tickets or get into an accident. But how much will they cost you?

Looking at the table above, you'll see that accidents will usually cost Malibu drivers more than tickets, but both will cause a significant increase in rates. Chevrolet Malibu drivers with one accident on their record pay an average of $108 per month (up $20 from the $88/mo. overall average), while drivers with a single ticket will pay about $96 a month. The rates only go up the more accidents you have or tickets you get.

How Much You Drive

How much you drive annually plays a role when it comes to your insurance premiums. Drivers who are on the roads less often are less likely to get into accidents, so they'll usually get more affordable prices. Based on the table above, you can see that Chevrolet Malibu owners who drive 10,000 miles or more pay $89 for auto insurance, while those who drive fewer than 2,500 miles each year pay about $77 monthly.

But if you don't drive much because have a second vehicle or you work from home, you might consider getting a usage-based or pay-per-mile car insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Chevrolet Malibus Compare to Other Vehicles?

If you're considering purchasing a Chevrolet Malibu, it might be helpful to do your research. Insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Visit the table below to see how the Chevrolet Malibu compares:

As you can see, a Chevrolet Malibu is a great value when it comes to overall price tag. While the national average vehicle price is $46,179, the Malibu has an MSRP of just $22,140.

Although the purchase price is on the cheaper end of the spectrum, insurance rates are higher when compared to other vehicles on the market. Full coverage insurance for a Chevrolet Malibu is around $59 per month more than average, while liability only coverage is more than $30 more per month.

When it comes to usage, Chevrolet Malibu owners drive more miles annually than the national average, with 11,660 miles every year for all vehicles compared to the Malibu's 13,236 a year.

Chevrolet Malibu Car Insurance Costs by Model Year

So far, you've seen how different factors affect a driver's auto insurance premiums. But if you're in thinking about buying a new car, truck, or SUV and the Malibu is on your wishlist, knowing how much your vehicle will likely cost can be extremely valuable as you weigh your options.

So we've decided to break down Chevrolet Malibu car insurance prices by model year. Simply choose a specific Malibu model year in the dropdown below and see average rates for both full coverage and liability only insurance. We've included some additional information you might find helpful, too, such as the base MSRP, who offers the most affordable policies, which trim levels are offered for each Malibu model year.

Choose Your Model

2021 Chevrolet Malibu Car Insurance 2020 Chevrolet Malibu Car Insurance 2019 Chevrolet Malibu Car Insurance 2018 Chevrolet Malibu Car Insurance 2017 Chevrolet Malibu Car Insurance 2016 Chevrolet Malibu Car Insurance 2015 Chevrolet Malibu Car Insurance 2014 Chevrolet Malibu Car Insurance 2013 Chevrolet Malibu Car Insurance 2012 Chevrolet Malibu Car Insurance 2011 Chevrolet Malibu Car Insurance 2010 Chevrolet Malibu Car Insurance 2009 Chevrolet Malibu Car Insurance

2021 Chevrolet Malibu Car Insurance

If you're in the market for a brand new Chevrolet Malibu, there are plenty of options to choose from. A 2021 Chevrolet Malibu starts at about $22,140 for the base model, with five different trim levels to pick from.

On average, it costs around $112 a month to insure a 2021 Chevrolet Malibu for liability only and $228 monthly for full coverage. And if you want the lowest insurance possible, Safeco offers liability only policies for as little as $28 per month.

While this gave you a good idea of what the average 2021 Malibu will cost to insure, you'll only find out exactly what you'll pay if you get a personalized quote. With Compare.com, you can get several quotes at once, all for free. Just enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

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2020 Chevrolet Malibu Car Insurance

If you're in the market for a 2020 Malibu or already own one, you're most likely looking at an average insurance price of about $100 for liability or $235 for full coverage.

And if you're just looking for the cheapest auto insurance for your Malibu, Hugo offers liability only policies for sometimes as low as $20 a month.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2019 Chevrolet Malibu Car Insurance

On average, drivers who own a 2019 Malibu can expect to pay $109 to $246 per month for liability only and full coverage insurance, respectively.

Mile Auto has rates as low as $17 monthly for the 2019 Chevrolet Malibu.

Want to figure out exactly what you'll be asked to pay? Get lots of customized quotes for free by just entering your ZIP code below.

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2018 Chevrolet Malibu Car Insurance

2018 Chevrolet Malibu drivers can expect to pay an average of $101 a month for liability or $212 for full coverage.

With prices as low as just $18 per month, Commonwealth Casualty offered the most affordable policy we found.

If you want to know exactly how much you can expect to pay for your Malibu, just enter your ZIP code below and get several free quotes in minutes.

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2017 Chevrolet Malibu Car Insurance

You can expect full coverage for a 2017 Malibu to run around $202 monthly, while liability only coverage will average about $105 a month.

If you're looking for the lowest possible 2017 Chevrolet Malibu insurance policy, Dairyland offered the lowest policy we found, with rates as cheap as $21 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2016 Chevrolet Malibu Car Insurance

The average cost to insure a 2016 Chevrolet Malibu with liability only coverage is $102 monthly, while full coverage runs around $193 a month.

Looking for the cheapest policy? Hallmark offered liability only coverage for as cheap as just $18 monthly.

What will your car insurance price be? Get a variety of personalized quotes for free by just entering your ZIP code below.

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2015 Chevrolet Malibu Car Insurance

It costs about $104 per month for liability or $185 for a full coverage policy for the 2015 Malibu.

We found MetroMile offered the most affordable policy, with rates as little as just $17 monthly.

These average premiums are a great starting point if you're in the market for a 2015 Chevrolet Malibu, but there are a multitude of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2014 Chevrolet Malibu Car Insurance

The average cost to insure a 2014 Chevrolet Malibu with liability only coverage is $105 per month, while full coverage runs around $180 a month.

With prices sometimes as low as $20 monthly, MetroMile offered the lowest policy we found for the 2014 Chevrolet Malibu.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2013 Chevrolet Malibu Car Insurance

On average, drivers who own a 2013 Malibu can expect to pay $90 to $172 a month for liability only and full coverage auto insurance, respectively.

Liberty Mutual offered the most affordable policy we found, with rates as little as just $18 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2012 Chevrolet Malibu Car Insurance

2012 Chevrolet Malibu drivers can expect to pay an average of $93 monthly for liability or $164 for full coverage.

If you're looking for the cheapest possible 2012 Chevrolet Malibu insurance policy, Gainsco offered the cheapest policy we found, with rates as cheap as $17 per month.

What could your insurance premium look like? Just enter your ZIP code below to get multiple personalized quotes for free.

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2011 Chevrolet Malibu Car Insurance

It costs about $91 a month for liability or $172 for a full coverage policy for the 2011 Malibu.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for sometimes as cheap as $19 monthly.

If you want to know exactly how much you can expect to pay for your Malibu, just enter your ZIP code below and get free quotes in minutes.

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2010 Chevrolet Malibu Car Insurance

You can expect full coverage for a 2010 Chevrolet Malibu to run around $172 a month, while liability only coverage will average about $93 per month.

Clearcover has premiums as low as $16 a month for the 2010 Chevrolet Malibu.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2009 Chevrolet Malibu Car Insurance

It costs around $90 per month for liability or $162 for a full coverage policy for the 2009 Malibu.

StateAuto offered the cheapest policy we found, with rates as low as just $16 monthly.

Want something more accurate than national averages? Enter your ZIP code below to get lots of free personalized quotes.

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Chevrolet Malibu Insurance FAQs

Is a Chevrolet Malibu expensive to insure?

Liability insurance runs an average of $88 a month, while full coverage will cost you around $179. The cost of car insurance for the Chevrolet Malibu is about the same as insuring the average vehicle.

How can I get the best price on car insurance for my Chevrolet Malibu?

There's only one way to be confident you're getting the lowest rates -- regularly shopping around and comparing quotes from quite a few companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from lots of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Chevrolet Malibu affect my insurance prices?

You might have heard that it costs more to insure red cars than silver or white ones, but that's just a myth. There are several factors auto insurance companies use when they decide your car insurance rate, but the color of your Chevrolet Malibu is not on that list.

Do I need to have insurance before I buy a Chevrolet Malibu?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have a valid insurance policy. Some dealerships will offer you an insurance policy as part of the buying process, but the best thing to do when buying a an car is to talk with your auto insurance company before you buy.

What car insurance discounts can I get for my Chevrolet Malibu?

There are a variety of discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are based less on your Malibu and more on you, but if your Malibu has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to find out is to contact your insurance carrier and ask about their list of discounts, since they vary quite a bit from company to company.