The Chevy Malibu was a mid-sized sedan known for its affordability and fuel efficiency, making it a great choice for families. However, the vehicle was officially discontinued after the 2025 model. If you own a Chevy Malibu, it needs to be protected with the right car insurance.
When it's time to get the best Chevrolet Malibu insurance, an independent insurance agent can help you find coverage. These agents know which local companies sell cheap, quality Chevrolet insurance. But first, here's a closer look at how much it costs to insure a Chevy Malibu by model year and top-rated insurance company in 2026.
Key Takeaways - Chevrolet Malibu Car Insurance
- Chevrolet Malibu insurance costs an average of $1,812 per year, or approximately $151 per month, for full coverage in 2026.
- Minimum coverage for a Chevy Malibu averages $939 per year,or approximately $78 per month.
- Chevy Malibu insurance rates vary widely by state, with drivers in Louisiana paying an average of $158 per month for minimum coverage, while those in Wyoming pay only $28.
- USAA, Progressive, and Erie are the cheapest carriers for model-year 2025 Chevy Malibu insurance this year.
- Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Chevrolet Malibu model.
What Is Chevrolet Malibu Insurance?
Chevy Malibu insurance is essentially a standard car insurance policy that's completed with any custom coverage your unique vehicle requires. As a typical sedan, the Malibu doesn't necessarily need additional protection beyond that of any other everyday car. Its average insurance rates are comparable to those of other sedans in its class.
Recommended coverage options for Chevrolet Malibu drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
Add-on coverage options worth considering for a Chevrolet Malibu:
- Chevrolet warranty insurance: This can extend Chevrolet's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Chevy parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you have a new or financed Chevy vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
You're required by law to carry your state's minimum mandated auto insurance. A local independent insurance agent can help you get set up with all the required car insurance for your Chevy Malibu.
How Much Does Chevrolet Malibu Insurance Cost?
Car insurance for a Chevrolet Malibu costs an average of $1,812 per year, or approximately $151 per month for full coverage. Minimum coverage averages $939 per year, or approximately $78 per month. In addition to the vehicle's make and model, multiple factors can impact the cost of your car insurance premiums, such as:
- Your credit score (where allowed)
- Your location
- Your marital status
- The coverage you select
- The deductible you choose
- Your age and gender
- Your driving record
An independent insurance agent can help you find affordable Chevrolet Malibu insurance in your area.
Is the Chevrolet Malibu Expensive to Insure?
Not when compared to other sedans in its class. The Malibu's average insurance rates are comparable to the Volvo S80, Buck Lucerne, and Volkswagen Phaeton. The table below compares the average monthly premium for the Malibu and several similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
|---|---|
| Saturn Aura | $114 |
| Volvo S80 | $114 |
| Buick Lucerne | $114 |
| Chevrolet Malibu | $115 |
| Volkswagen Phaeton | $115 |
| Lincoln MKZ | $116 |
| Acura TL | $117 |
Chevrolet Malibu Insurance Costs by Model Year
Next, we'll break down several model years of the Chevrolet Malibu and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
|---|---|
| 2025 Chevrolet Malibu | $1,510 |
| 2024 Chevrolet Malibu | $2,096 |
| 2023 Chevrolet Malibu | $1,074 |
| 2022 Chevrolet Malibu | $616 |
| 2021 Chevrolet Malibu | $451 |
| 2020 Chevrolet Malibu | $558 |
| 2019 Chevrolet Malibu | $656 |
| 2018 Chevrolet Malibu | $467 |
| 2017 Chevrolet Malibu | $600 |
| 2016 Chevrolet Malibu | $492 |
| 2015 Chevrolet Malibu | $524 |
| 2014 Chevrolet Malibu | $385 |
| 2013 Chevrolet Malibu | $394 |
| 2012 Chevrolet Malibu | $308 |
| 2011 Chevrolet Malibu | $299 |
| 2010 Chevrolet Malibu | $449 |
Cheapest Chevrolet Malibu Car Insurance Companies for 2026
You can find affordable Chevy Malibu insurance from many different insurers in your area. These top-rated car insurance companies provide the cheapest model-year 2025 Chevrolet Malibu insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
|---|---|
| USAA | $1,640 |
| Progressive | $1,964 |
| Erie | $2,366 |
| Nationwide | $2,502 |
| American Family | $2,909 |
| Allstate | $4,367 |
Chevrolet Malibu Car Insurance Rates by State
Your location plays a major part in determining the cost of your auto insurance. Here are some average Chevy Malibu car insurance rates by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| Alabama | $65 | $122 |
| Alaska | $57 | $121 |
| Arizona | $93 | $172 |
| Arkansas | $61 | $137 |
| California | $73 | $148 |
| Colorado | $73 | $175 |
| Connecticut | $109 | $188 |
| Delaware | $112 | $187 |
| Florida | $104 | $239 |
| Georgia | $123 | $200 |
| Hawaii | $41 | $92 |
| Idaho | $42 | $84 |
| Illinois | $71 | $132 |
| Indiana | $49 | $95 |
| Iowa | $41 | $98 |
| Kansas | $53 | $123 |
| Kentucky | $97 | $164 |
| Louisiana | $158 | $341 |
| Maine | $39 | $81 |
| Maryland | $123 | $208 |
| Massachusetts | $80 | $169 |
| Michigan | $115 | $220 |
| Minnesota | $63 | $130 |
| Mississippi | $66 | $131 |
| Missouri | $86 | $170 |
| Montana | $51 | $121 |
| Nebraska | $54 | $122 |
| Nevada | $139 | $252 |
| New Hampshire | $53 | $94 |
| New Jersey | $129 | $213 |
| New Mexico | $63 | $140 |
| New York | $96 | $172 |
| North Carolina | $63 | $124 |
| North Dakota | $43 | $93 |
| Ohio | $59 | $113 |
| Oklahoma | $70 | $156 |
| Oregon | $95 | $166 |
| Pennsylvania | $64 | $151 |
| Rhode Island | $97 | $173 |
| South Carolina | $79 | $147 |
| South Dakota | $39 | $119 |
| Tennessee | $59 | $120 |
| Texas | $99 | $201 |
| Utah | $84 | $142 |
| Vermont | $33 | $79 |
| Virginia | $73 | $119 |
| Washington | $72 | $133 |
| West Virginia | $65 | $132 |
| Wisconsin | $49 | $107 |
| Wyoming | $28 | $85 |
Average Chevrolet Malibu Insurance Rates by Driver Age and Profile
Your age can cause car insurance premiums to either skyrocket or plummet. Around age 25, car insurance premiums often drop dramatically, then gradually rise again after about age 65.
Additionally, having accidents or other traffic violations can also increase your premium rates, as can having poor credit. Here are some average Chevrolet Malibu insurance rates by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
|---|---|---|---|
| 18 | $7,510 | $11,012 | $12,973 |
| 20 | $5,753 | $8,564 | $9,954 |
| 25 | $3,438 | $4,993 | $5,835 |
| 30 | $2,665 | $3,872 | $4,578 |
| 35 | $2,430 | $3,667 | $4,255 |
| 40 | $2,398 | $3,485 | $4,111 |
| 45 | $2,328 | $3,435 | $3,973 |
| 55 | $2,159 | $3,149 | $3,617 |
| 65 | $2,244 | $3,252 | $3,802 |
| 75 | $2,796 | $4,162 | $4,809 |
Best Chevrolet Malibu Insurance Discounts: How to Lower Your Chevy Malibu Insurance Premiums
You can potentially save a lot of money on Chevy Malibu insurance by following any of these simple steps:
- Ask about telematics programs: Your insurance company or Chevrolet may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Chevy Malibu insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Chevy Malibu insurance from a trusted carrier near you.
- Compare quotes from multiple carriers: Comparing Chevrolet Malibu insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
A local independent insurance agent knows where to find the most affordable Chevy Malibu insurance in your area. They also know several additional methods that can potentially help you reduce your car insurance premiums even further.
An Independent Insurance Agent Can Help You Get the Best Chevrolet Malibu Insurance Quotes
When it's time to find the most affordable Chevrolet Malibu insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Chevy Malibu insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Chevrolet Malibu Insurance
How much does Chevrolet Malibu insurance cost per year?
The average annual cost of full coverage for a Chevy Malibu is $1,812 per year, or approximately $151 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Chevrolet Malibu insurance premiums?
Having filed claims in the past, having traffic violations or accidents on your record, or having poor credit can all increase your Chevy Malibu insurance costs.
Is the Chevrolet Malibu expensive to insure?
Not when compared to many other vehicles in its class. The Chevy Malibu's average insurance rates are actually slightly cheaper than those of the Lincoln MKZ and the Acura TL.
What are the best and cheapest carriers for Chevy Malibu insurance in 2026?
We found that USAA, Progressive, and Erie are the best and cheapest car insurance companies for model-year 2025 Chevrolet Malibu insurance this year.
How can I get cheaper Chevrolet Malibu insurance?
Finding cheaper Chevy Malibu insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Does vehicle age affect premiums?
Yes, your vehicle's age can greatly influence your coverage premiums. We found that the 2024 Chevy Malibu was the most expensive model-year to insure of those we compared.
Other Chevrolet Models
Sources
https://www.moneygeek.com/insurance/auto/chevrolet-malibu-insurance/
https://www.thezebra.com/auto-insurance/vehicles/chevrolet/malibu/
https://www.insuranceopedia.com/auto-insurance/chevrolet-malibu-car-insurance
