Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 29, 2020

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Key takeaways:

  • Full coverage costs around $1,384 a year or $115 each month
  • A liability-only policy costs around $555 a year or $46 each month
  • Highest rates are for teenage drivers at around $5,059 a year or $422 each month
  • Good drivers can save as much as $571 a year by earning policy discounts
  • Chevrolet Malibu insurance costs around $135 less per year than the average vehicle

Named after the famous beach town in Los Angeles, the Chevrolet Malibu lives up to its name with sleek exteriors and high-tech features. Although the car’s look has changed drastically from how it was launched back in the 60s, let’s see how the modifications have impacted car insurance rates.

The cost of car insurance for a Chevrolet Malibu is a major factor in purchasing this vehicle. The look and feel are the usual primary reasons for choosing a new ride; however, the current state of the economy has brought the focus on more financial benefits. You’re looking for cheap car insurance, so you want to know, is a Chevy Malibu expensive to insure?

Car insurance rates are an extension of a monthly car payment. A car with low rates, like the Chevy Malibu, can make driving both pleasurable and affordable.

So how much does Chevy Malibu insurance cost? We’ll look at that and other costs of ownership for this car. Read on to learn all about Chevrolet Malibu car insurance costs.

You can start comparing quotes for Chevrolet Malibu car insurance rates from some of the best car insurance companies by using our free online tool now.

Table of Contents

Chevrolet Malibu Insurance Cost

The average car insurance costs for a Chevrolet Malibu are $1,384 a year or $115 a month.

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Are Chevrolet Malibus Expensive to Insure?

The chart below details how Chevrolet Malibu insurance rates compare to other sedans like the Cadillac ATS, Audi S4, and Chevrolet Impala.

Vehicle Comprehensive Collision Liability Total
Chevrolet Malibu $322 $532 $372 $1,384
Cadillac ATS $294 $566 $398 $1,416
Audi S4 $370 $744 $338 $1,588
Chevrolet Impala $280 $532 $372 $1,342
Lincoln MKZ $320 $686 $450 $1,636
Ford Focus $244 $536 $398 $1,336
Chevrolet Blazer $376 $688 $316 $1,516
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However, there are a few things you can do to find the cheapest Chevrolet insurance rates online.

What Impacts the Cost of Chevrolet Malibu Insurance?

The Chevrolet Malibu trim and model you choose can impact the total price you will pay for Chevrolet Malibu car insurance coverage.

Age of the Vehicle

Older Chevrolet Malibu models generally cost less to insure. For example, auto insurance for a 2020 Chevrolet Malibu costs $1,384, while 2010 Chevrolet Malibu insurance costs are $1,138, a difference of $246.

Model Year Comprehensive Collision Liability Total
2020 Chevrolet Malibu $322 $532 $372 $1,384
2019 Chevrolet Malibu $306 $512 $390 $1,366
2018 Chevrolet Malibu $294 $506 $398 $1,356
2017 Chevrolet Malibu $284 $494 $416 $1,352
2016 Chevrolet Malibu $274 $474 $430 $1,336
2015 Chevrolet Malibu $260 $458 $442 $1,318
2014 Chevrolet Malibu $250 $424 $452 $1,284
2013 Chevrolet Malibu $240 $400 $456 $1,254
2012 Chevrolet Malibu $230 $358 $460 $1,206
2011 Chevrolet Malibu $214 $330 $460 $1,162
2010 Chevrolet Malibu $206 $310 $464 $1,138
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Driver Age

Driver age can have a significant impact on Chevrolet Malibu auto insurance rates. For example, 20-year-old drivers pay approximately $1,693 more each year for their Chevrolet Malibu auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Chevrolet Malibu insurance rates. For example, drivers in New York may pay $845 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Chevrolet Malibu car insurance. Teens and drivers in their 20’s see the highest jump in their Chevrolet Malibu auto insurance rates with violations on their driving record.

Chevrolet Malibu Safety Ratings

Your Chevrolet Malibu auto insurance rates are influenced by the Chevrolet Malibu’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Marginal
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Chevrolet Malibu Crash Test Ratings

Chevrolet Malibu crash test ratings can impact your Chevrolet Malibu car insurance rates. See Chevrolet Malibu crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 Chevrolet Malibu 4 DR FWD 4 stars 5 stars 4 stars 4 stars
2019 Chevrolet Malibu Hybrid 4 DR FWD 4 stars 5 stars 4 stars 4 stars
2019 Chevrolet Malibu 4 DR FWD 4 stars 5 stars 4 stars 4 stars
2018 Chevrolet Malibu HEV 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2018 Chevrolet Malibu 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2017 Chevrolet Malibu Eco e-Assist 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2017 Chevrolet Malibu 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2016 Chevrolet Malibu Limited 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2016 Chevrolet Malibu Eco e-Assist 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2016 Chevrolet Malibu 4 DR FWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Chevrolet Malibu Insurance Loss Probability

The lower percentage means lower Chevrolet Malibu car insurance rates; higher percentages mean higher Chevrolet Malibu auto insurance rates. Insurance loss probability on the Chevrolet Malibu fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision -6%
Property Damage 0%
Comprehensive 9%
Personal Injury 39%
Medical Payment 45%
Bodily Injury 20%
Source: Insurance Institute for Highway Safety
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Chevrolet Malibu Finance and Insurance Cost

If you are financing a Chevrolet Malibu, you will pay more if you purchase Chevrolet Malibu auto insurance at the dealership, so be sure to shop around and compare Chevrolet Malibu auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Chevrolet Malibu Insurance

There are several ways you can save even more on your Chevrolet Malibu car insurance rates. Take a look at the following five tips:

  • Get Married and Ask for a Discount
  • Choose a Chevrolet Malibu with Cheaper Repair Costs
  • Reduce Modifications on Your Chevrolet Malibu
  • Remove Unnecessary Insurance Once Your Chevrolet Malibu is Paid Off
  • Save Money on Young Driver Chevrolet Malibu Insurance By Mentioning Grades or GPA

Top Chevrolet Malibu Insurance Companies

Several insurance companies offer competitive rates for the Chevrolet Malibu based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Chevrolet Malibu drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Chevrolet Malibu Insurance Quotes Online

You can start comparing quotes for Chevrolet Malibu car insurance rates from some of the best car insurance companies by using our free online tool now.

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The History of Chevrolet Malibu

The Chevrolet Malibu you see today is entirely different from the model that was launched way back in the year 1964. Back then, Malibu was introduced as a top-of-the-line model of Chevrolet Chevelle with rear-wheel drive. In 1997, the car manufacturer revamped and launched the model under its own name with front-wheel drive.

The Malibu has had a great run in the mid-sized sedan market over all these years. And, in 2016, Chevrolet came out with the 9th generation of the Malibu which is 300 pounds lighter than the previous model and has a fully hybrid trim for the first time.

Apart from that, this latest version of the Malibu also features a crash-avoidance technology as well as, as listed on CarFax, teen driver monitoring allowing parents to see the driving statistics of their children — a first in the industry.

In case you want to see how the model’s look has changed since it was launched, here’s a video with all the images.

When it comes to the sales numbers of this model, unfortunately, there was a decline in 2019 from the previous year.

  • Numbers sold in 2019: 120,302
  • Numbers sold in 2018: 144,542

As you can notice, Chevrolet Malibu registered a significant drop of 16.77 percent in sales last year.

Though the Malibu is popular for its fuel-efficiency and sleek looks, it’s not the best choice in the mid-sized car market owing to strong competition from the Toyota Camry and the Honda Accord.

How does the frequency of claims filed on Chevrolet Malibu affect car insurance rates?

If you regularly get involved in accidents and make claims, your car insurance provider will increase your rates to cover their losses. Apart from your personal claims history, car insurance providers also take into account the generic frequency of claims to calculate rates for car insurance.

In the table below, you can see the collision claim frequency and an overall loss for passenger vehicles in recent models (2016–18) from the Insurance Information Institute (III). The claim frequency for collision coverage is 8.4 per 100 insured vehicle-years, and the average loss per insured vehicle year is $501.

Collision Claim Frequency and Overall Loss for Passenger Vehicles
Car TypeClaim FrequencyClaim severityOverall loss
Passenger cars and minivans 8.4$5,949$501
All passenger vehicles 7.3$6,005$438
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Car insurance rates on your vehicle will rise if the claim frequency and average loss keep increasing on newer models, as this leads to higher losses for providers.

In terms of year-over-year change, the frequency of collision claims has flattened since the year 2015, as recorded by the III. You can see the image below, sourced from III, for changes in claims frequency.

Collision Claim Frequency for Passenger Vehicles

Though there has been a decline in claims frequency majorly due to advanced driver-assistance systems in modern cars, it’s expected that claims severity will rise in the coming years because of costlier materials used.

As per mPower analysts who studied the change in replacement costs of parts in front-end collisions, the repair costs for a 2010 Chevrolet Malibu increased from $1,652 to $3,627 in the car’s 2018 model.

Naturally, when repair costs are rising for newer car models, car insurance providers will raise the rates for your collision coverage as they need to pay more for any damages to car parts.

Geico registered an average increase of 7.8 percent in premiums for the year 2018. Berkshire Hathaway, which owns Geico, says “The increase in premiums per policy was attributable to rate increases, coverage changes and changes in state and risk mix. The rate increases were in response to accelerating claim costs in recent years.”

Most of the car owners do buy collision coverage to cover any damages to their car, however, it’s not mandatory to buy this coverage. Every state requires car owners to buy the minimum liability coverage that pays for any third-party personal injury and property damage expenses.

But, it’s always recommended to buy collision and comprehensive coverage to protect your vehicle in the event of an accident. These options protect your car from any collisions and acts of nature that damages your car.

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What is the size and class of the Chevrolet Malibu?

Every car’s model is launched in a specific size to cater to different consumer needs, and the Malibu competes in the mid-size category. In addition to a model’s size, cars are also categorized by their class, which refers to the body type such as sedan, coupe, or convertible. The Chevrolet Malibu is a four-door sedan.

To know which other cars are in the same category as Malibu, you can see the table below.

Cars in the Same Class as the Chevrolet Malibu
Car Make and Model
F-K
Car Make and Model
M-V
Ford FusionMazda 6
Ford Fusion 4WDNissan Altima
Ford Fusion hybridNissan Maxima
Ford Fusion plug-in hybridSubaru Legacy 4WD
Honda AccordSubaru Legacy 4WD with EyeSight
Honda Accord hybridToyota Camry
Honda Clarity PHEV 4drToyota Camry hybrid
Hyundai SonataToyota Mirai fuel cell
Hyundai Sonata hybridVolkswagen Jetta
Hyundai Sonata plug-in hybridVolkswagen Passat
Kia Optima
Kia Optima hybrid
Kia Optima plug-in hybrid
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But, why are the size and class of vehicles important for car insurance?

The size and class of vehicles directly impact the damages it can sustain in the event of an accident. For instance, bigger, heavier cars usually have better crash resistance than lighter, smaller cars. Specifically, in front-end collisions, bigger cars such as trucks and SUVs protect the occupants better because of the longer engine compartment area.

So, if you buy a car that doesn’t get severely impacted in accidents, your car insurance rates will be lower.

In fact, when a crash test was conducted by the Insurance Institute for Highway Safety (IIHS), it was found that smaller cars by Kia and Toyota performed poorly on collision with a large car and mid-sized SUV by the same manufacturers.

You can see the table below for passenger vehicle occupant deaths by vehicle type in 2018.

2018 Passenger Vehicle Occupant Deaths by Vehicle Type
Initial ImpactCar OccupantsPercentagePickup OccupantsPercentageSUV OccupatnsPercentageAll OccupantsPercentage
Frontal7,43357%2,49357%2,78455%12,93256%
Side3,56827%80718%93018%5,35023%
Rear8346%1734%2866%1,3106%
Other (mostly rollover)1,30310%89621%1,03521%3,29914%
All13,138100%4,369100%5,035100%22,891100%
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The maximum number of deaths were registered among occupants of smaller cars in frontal accidents. Since the Malibu is a mid-sized car with a curb weight of 3,126 to 3,223 lbs, it falls under the category of high-risk car models.

Sports cars tend to have higher rates than do sedans. Is a Chevy Malibu considered a sports car? Not according to the information above, which is a good thing for insurance rates.

How does the size of the Chevrolet Malibu affect bodily injury liability car insurance rates?

The liability insurance you buy for your car covers any bodily injury and property damage to the third party in the event of an accident as a result of your fault. If you have caused any bodily injury to the passenger car occupants, your insurance will pay the medical expenses.

Here’s a comparison table of insurance losses by mid-sized four-door car models with percentages above and below the average bodily injury losses.

Bodily Injury Car Insurance Losses for Mid-Sized Four-Door Cars
Car Make and ModelBodily Injury Insurance Losses
Subaru Legacy 4WD with EyeSight-49%
Honda Accord-32%
Toyota Camry-28%
Subaru Legacy 4WD-12%
Volkswagen Passat-7%
Ford Fusion 4WD-4%
Mazda 6-4%
Nissan Maxima4%
Ford Fusion plug-in hybrid14%
Ford Fusion25%
Chevrolet Malibu28%
Ford Fusion hybrid31%
Hyundai Sonata34%
Kia Optima34%
Hyundai Sonata hybrid40%
Volkswagen Jetta41%
Nissan Altima42%
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In this model size and class, the bodily injury losses registered for Malibu were 28 percent, which is worse than the average insurance losses of this category.

Since the bodily injury losses for Malibu are worse than average, car insurance providers will likely charge you a higher rate for this coverage to make up for the losses they’re writing off. Let’s look at the bodily injury liability premiums for the Malibu.

We have pulled these quotes from Geico for a 40-year-old male driver in New York with no accidents owning the 2018 Chevrolet Malibu Ls trim level.

Bodily Injury Liability Car Insurance Rates for Chevrolet Malibu LS
Car Insurance
Coverage Level
6-Month
Full Coverage Rates
Low ($25,000/$50,000)$806.80
Medium
($100,000/ $200,000)
$919.40
High
($250,000/ $500,000)
$1,000.90
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As the bodily injury coverage limits are altered with the same driver profile, the overall car insurance rates change. It’s always recommended to keep the liability coverage limits either at a medium or high level to avoid any out-of-pocket expenses if you happen to get involved in a major accident.

How does the size of the Chevrolet Malibu affect property damage liability car insurance rates?

The liability coverage we discussed in the previous section also covers property damage that pays for any damages to the third party’s car when you’re the at-fault driver.

We have already discussed how the size and weight of a car matters in crashes and when a mid-sized car hits another car, the impact or damage isn’t as severe as it’s from a large car. So, unless you’re cruising at 100 miles/hour, the chances of your Malibu causing extreme damage is low.

That doesn’t mean you can crash into another car whenever you want, always be cautious while driving.

Here’s a comparison table of insurance losses by mid-sized four-door car models with percentages above and below the average property damage losses.

Property Damage Car Insurance Losses for Mid-Sized Four-Door Cars
Car Make and ModelProperty Damage
Insurance Loss
Honda Accord hybrid-57%
Honda Clarity PHEV 4dr-42%
Toyota Camry hybrid-41%
Honda Accord-40%
Toyota Camry-39%
Toyota Mirai fuel cell-37%
Subaru Legacy 4WD with EyeSight-36%
Subaru Legacy 4WD-16%
Volkswagen Passat-12%
Chevrolet Malibu hybrid-11%
Ford Fusion 4WD-9%
Nissan Maxima-6%
Mazda 6-1%
Chevrolet Malibu1%
Hyundai Sonata plug-in hybrid2%
Ford Fusion plug-in hybrid7%
Kia Optima9%
Ford Fusion13%
Ford Fusion hybrid13%
Hyundai Sonata14%
Nissan Altima16%
Hyundai Sonata hybrid26%
Volkswagen Jetta26%
Kia Optima hybrid32%
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In terms of property damage losses, the Chevrolet Malibu has registered average losses, which means damage to other cars from this make and model isn’t causing huge losses to insurance providers.

Let’s take a look at car insurance quotes from Geico when we alter the property damage liability coverage level for the same driver profile we used in the last section.

Property Damage Liability Car Insurance Rates for Chevrolet Malibu LS
Coverage Level6-Month Full Coverage Premiums
Low ($25,000)$917
Medium
($50,000)
$919.40
High
($100,000)
$923
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Changing the coverage level for property damage liability slightly impacted the overall car insurance rate because of the low property damage losses for the Chevrolet Malibu.

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What are the safety features of the Chevrolet Malibu?

One quick way to buy smart and save on car insurance is to make sure the extra safety features in your trim level offers financial benefits as well.

Cars with advanced safety features tend to make it high on the list of vehicles that cause less injury and damage, which can translate to reduced car insurance rates. That’s why it’s important to check the safety features in a car before buying.

The 2019 Chevrolet Malibu comes with the following safety features:

  • Anti-lock brakes
  • Stability control
  • Front-impact airbags
  • Side impact airbags
  • Overhead airbags
  • Knee airbags
  • Pretensioners
  • Low speed forward automatic braking
  • Lane keep assists with lane departure warning
  • Lane change alert with side blind zone alert
  • Rear cross-traffic alert
  • Front and rear park assist
  • Automatic parking assist
  • Intellibeam headlamps

Some of the features listed above are part of the Driver Confidence Package offered by Chevrolet. Apart from these basic safety features, the Malibu is also equipped with a lot of advanced safety features.

  • Teen driver technology: To encourage safer driving habits among young drivers, Chevrolet offers an in-vehicle report on activated safety features while driving, audio, and visual signals when speed limits are crossed, as well as muting of audio systems when occupants aren’t wearing seat belts.
  • OnStar Automatic Crash Response: Chevrolet has added this feature to help car owners get emergency help in the event of an accident when they aren’t able to call up 911 or any family members. An Emergency Medical Dispatch Advisor can send you the help you might need using GPS technology.

You can watch this quick five-minute video to know about the safety features of the Chevrolet Malibu.

What are the safety ratings of the Chevrolet Malibu?

Simply stating that a vehicle is safe is not enough in the automotive sector. Car manufacturers are expected to back up their claims with crash tests from recognized institutions to verify whether their claims are correct or not.

The results of crash tests are regularly documented by the IIHS.

In these tests, IIHS studies each safety feature of vehicles and assigns their ratings; for some features, the scale of Poor to Good is assigned, while others are rated by Basic to Superior.

Chevrolet Malibu Safety Feature Crash Ratings
Car FeaturesCrash Ratings
Front crash prevention: vehicle-to-vehicleSuperior
Head restraints & seatsGood
Moderate overlap frontGood
Roof strengthGood
SideGood
Small overlap front: driver-sideGood
Front crash prevention: vehicle-to-pedestrianBasic
Child seat anchors:
LATCH ease of use
Marginal
Small overlap front: passenger-sideMarginal
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Chevrolet Malibu was the IIHS Top Safety Pick in 2016, however, for the latest 2020 model, Chevrolet didn’t make the cut. On multiple crashworthiness and avoidance features, the Malibu was rated either marginal or basic.

Even for child seat anchors, IIHS assigned a marginal rating to the ease with which people can use the latch.

How does the safety of the Chevrolet Malibu compare to other vehicles with the same size and class?

Malibu is a mid-sized, four-door car — to see how safe this car is, we will compare it with other makes and models of the same size and class.

First, let’s watch this video to know about all the car models in this category.

In the mid-size sedan car segment, 396 fatalities were recorded in the year 2018, and there were a total of 9,736,590 registered vehicles (1-3 years old). The driver death rate per million registered passenger vehicles was 41.

The death rate in mid-sized sedans was much lower than the rate for mini, small, and large-sized vehicles. However, the death rate in very large cars is even lower at 26 per million registered vehicles.

In any accident, apart from the size and weight of vehicles, the impact point of a crash also matters a lot and determines the severity of its consequences.

To get an idea of which impact points lead to the maximum number of deaths, please see the table below for vehicle occupant fatalities in single-vehicle crashes in 2018.

Vehicle Occupant Fatalities in Single-Vehicle Crashes
Point of Initial ImpactNumber of deaths (Cars)PercentageNumber of deaths (Pickup)PercentageNumber of deaths (SUV)Percentage
Frontal2,85656%1,27052%1,30950%
Side95219%30412%29811%
Rear962%372%341%
Other (mostly rollover)1,18523%84935%97237%
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The maximum number of fatalities was registered in front-impact accidents in cars of all sizes, but deaths in passenger car accidents are highest, making it more unsafe than Pickups and SUV. Even in multi-vehicle crashes, the frontal impact leads to the highest number of fatalities.

Passenger Vehicle Occupant Fatalities in Multi-Vehicle Crashes
Point of Initial ImpactNumber of deaths (Cars)PercentageNumber of deaths (Pickup)PercentageNumber of deaths (SUV)Percentage
Frontal4,577571,223641,47561
Side2,616335032663226
Rear7389136725210
Other (mostly rollover)1181472633
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In multi-vehicle crashes, the number of car occupant deaths is much higher than that of single-vehicle crashes, as well as the numbers in Pickup and SUV.

Though it will take time for car manufacturers to introduce technology that will prevent all types of crashes, the situation has improved over the years in terms of safety, and modern technology has made roads much safer.

You can see the number of driver and occupant deaths over the ten year period from 2009–18.

Occupant Deaths Per Million Registered Passenger Vehicles 1-3 Years Old
YEARDRIVER DEATHS
(PER MILLION)
ALL PASSENGER DEATHS
(PER MILLION)
20095682
20104971
20114362
20124261
20134158
20143753
20154262
20164463
20174666
20184869
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What is the MSRP of a Chevrolet Malibu?

When you head out in the market to buy a car, you more or less have a budget in mind. Most people are also flexible on a different make and model than their first choice, provided the other one is within their budget.

If you’re planning to buy a new car, you must check the MSRP, or the Manufacturer Suggested Retail Price, before going out in the market. MSRP, also known as the sticker price, is used by car dealers as a base to start negotiations on the price a consumer is willing to pay.

For 2020 Chevrolet Malibu, the MSRP is $22,970, while the fair market range is $15,945 to $18,072 as per the Kelly Blue Book. You should also check the price range for previous year models to asses whether buying a used car makes more economic sense.

Chevrolet Malibu Four-Door MSRP and FMV
Model YearMSRPFMV
2020$22,970$15,945-$18,072
2019$22,965$13,957-$16,006
2018N/A$12,700-$14,677
2017N/A$12,097-$14,014
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If you buy an older car model, not only does it cost less, but you will also get a cheaper car insurance quote from every provider. New car models always cost more to insure because of higher repair or replacement costs.

In fact, you might need to get your car financed if you’re buying a car out of your budget — in that case, your lender will require full coverage car insurance to protect their own interest. By law, you’re required to just buy liability coverage on your car.

Lenders can also force insurance, known formally as force-placed insurance, on you if you haven’t bought enough coverage, and you are required to pay for it since you signed a contract with them.

Let’s look at how much each car insurance coverage option costs for the Chevrolet Malibu. Rates in the table below are averaged across trim levels that assume the driver profile as a 40-year-old male driver with a clean driving record and paying a $500 deductible.

Average Annual Chevy Malibu Car Insurance Rates
Model YearLiabilityCollisionComprehensiveFull Coverage Premium
2014$452$424$250$1,284
2015$442$458$260$1,318
2016$430$474$274$1,336
2017$416$494$284$1,352
2018$398$506$294$1,356
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As you can see in the table above, the rates for collision and comprehensive coverage have continuously increased from 2014 to 2018 while liability coverage rates have gone down. So if you get a car loan, you will have to pay much more in car insurance than just the premiums for liability coverage.

How does the MSRP of the Chevrolet Malibu affect collision car insurance rates?

Collision coverage, though an option, is bought by a majority of car owners as it covers damages to your car when it collides with another car or object.

Average Chevrolet Malibu Car Insurance Collision Coverage Rates
Year2015201520172018
Collision Coverage Premiums$458$474$494$506
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As the price of a car rises, so does the collision coverage rates on the model because repairing/replacing costlier parts gets more expensive.

Here’s a comparison table of collision coverage insurance losses by mid-sized, four-door car models with percentages above and below the average losses. The higher the losses for car insurance providers, the higher would be your rates.

Collision Coverage Car Insurance Losses by Mid-Sized, Four-Door Car Models
Car Make and ModelCollision Coverage Insurance Losses
Subaru Legacy 4WD with EyeSight-30%
Subaru Legacy 4WD-24%
Volkswagen Passat-9%
Mazda 6-5%
Honda Accord hybrid-3%
Honda Accord4%
Ford Fusion5%
Ford Fusion 4WD5%
Volkswagen Jetta13%
Toyota Camry14%
Chevrolet Malibu15%
Kia Optima15%
Ford Fusion plug-in hybrid16%
Ford Fusion hybrid18%
Toyota Mirai fuel cell19%
Chevrolet Malibu hybrid20%
Hyundai Sonata23%
Hyundai Sonata plug-in hybrid27%
Toyota Camry hybrid32%
Honda Clarity PHEV 4dr35%
Nissan Altima36%
Kia Optima plug-in hybrid39%
Hyundai Sonata hybrid40%
Nissan Maxima41%
Kia Optima hybrid45%
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The collision losses on the Chevrolet Malibu, as well as its hybrid model, is at an average level for the 2016–18 makes. The table is arranged from the lowest to the highest insurance losses, and Subaru Legacy, known for its sturdy body, registers the lowest losses in collision coverage.
In comparison to other popular models in the category such as the Honda Accord and the Toyota Camry, the collision claims for the Malibu are higher, which means the collision coverage rates would be higher.

How does the MSRP of the Chevrolet Malibu affect comprehensive car insurance rates?

There’s a lot of misconception among motorists about what comprehensive insurance covers. It’s different from full coverage insurance.

Comprehensive coverage pays for the damages to your car beyond your control i.e., acts of nature such as tornadoes, floods, hurricanes, and etc., as well as events like fire, vandalism, and theft.

Just like collision coverage, if your car is expensive and gets damaged from the causes we discussed above, the cost to repair your car will be high, leading to a rise in comprehensive coverage rates.

Let’s look at how the rates for comprehensive coverage has changed over the years.

Average Chevrolet Malibu Car Insurance Comprehensive Coverage Rates
Year2015201620172018
Comprehensive Coverage Premiums$260$274$284$294
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The rates for comprehensive coverage are lower than liability and collision coverage because of the lower number of claims, however, it has been on the rising trend since 2015.

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What are the theft rates of Chevrolet Malibu?

The theft rate of any car model also impacts the car insurance rates, so if you have a make that is favorite among burglars, then you will have to spend a lot more on car insurance.

In 2018, Chevrolet Malibu was in the list of top 10 most-stolen cars with 698 thefts as per data from the National Insurance Crime Bureau (NICB).

Car insurance companies utilize the theft number in their car insurance rate calculation as these stats generally point to a trend that makes certain models riskier than others. At times, people in specific cities or states pay high premiums because of the high theft rate generally.

Let’s look at the number of thefts from the previous years provided by the National Highway Traffic Safety Administration. For Malibu, the theft rate has gown down from 2010-2014, however, it has gone up considerably in recent years.

Chevrolet Malibu Vehicle Thefts by Model Year
Model YearNumber of Thefts
2010381
2011400
2012509
2013373
2014317
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How do theft rates of the Chevrolet Malibu affect comprehensive car insurance rates?

Since comprehensive insurance covers car theft, it’s highly likely that car insurance providers would raise your rates if theft for a particular model is rising. Apart from specific models, if the theft rate is high in your city or ZIP code, even then, your comprehensive coverage rates would be high.

Back in 2006, the National Criminal Justice Reference Service conducted a study to understand which spaces in non-urban regions are more prone to motor car thefts.

The document, titled Motor Vehicle Theft: Crime and Spatial Analysis in a Non-Urban Region, states that thefts in non-urban regions aren’t limited to the hotspots that are easily recognizable in an urban area.

The study led to several insights about car thefts in non-urban areas such as:

  • In areas where there are rental housing and industrial or manufacturing facilities, the rate of car theft is higher.
  • Another location that’s prone to motor theft is business premises, with repair shops and car dealerships hotspots for theft.

How much will it cost to repair my Chevrolet Malibu?

When you buy a high-end, luxury car, you have to think about all the maintenance costs attached with it — high-grade fuel, synthetic oil, better-quality tires, and much more.

If you’re going for an expensive model, be prepared to spend a lot more on car insurance because everything costs more.

But, if your car isn’t reliable and breaks down a lot, it will need a lot more repairs leading to more car insurance claims. However, with the Chevrolet Malibu, you don’t need to worry about that aspect.

The Chevrolet Malibu has an above-average rating in the mid-sized sedan car segment and ranks 9th among 24 cars in this category. And, the average repair cost is $532/annually, so it doesn’t cost a lot to own a Malibu.

In terms of frequency, the Malibu owners bring their car for unscheduled repairs 0.3 times on average in a year, and the probability of a severe repair is 11 percent in comparison to 12 percent for other mid-sized cars.

Let’s also look at the cost of maintenance for Malibu. To give you a cost estimate, we have sourced data from Auto Blog for a 2019 Malibu L with an annual mileage of 15,000 miles.

Chevrolet Malibu Five-Year Maintenance Costs
YearMaintenance Cost
1$491
2$628
3$1,400
4$889
5$1,105
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For five years, the total cost of maintenance would be around $4,513, but do remember the expenses rise every following year.

We have also sourced the estimate of repair costs for different car body parts from Instant Estimator. The rear bumper repair cost is extremely high for Malibu compared to other parts.

Chevrolet Malibu Repair Estimates by Body Parts
Car PartFront BumperRear BumperHoodRoofFront DoorRear DoorQuarter Panel
Body labor$153.60$307.20$96$96$158.40$144$96
Paint labor $192$384$201.60$240$163.20$163.20$182.40
Paint supplies$100$200$105$125$85$85$95
Color tint $24$24$24$24$24$24$24
Cover car n/a$10$10$10$10$10$10
Hazardous waste disposal$5$5$5$5$5$5$5
Color sand and buff$24$24$24$24$24$24$24
Total$498.60$978.20$465.60$524$469.60
$455.20$436.40
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How does the cost of repairs affect collision and comprehensive car insurance rates?

Though we have talked about collision and comprehensive insurance above, we just want you to understand how taking these coverage options can save you a lot of out-of-pocket expenses.

If you collide with anything or are hit by an uninsured/underinsured motorist, your collision coverage will still pay for the damages to your car. This insurance option covers your car irrespective of fault.

With comprehensive coverage, you’re covered for all damages to your car from causes out of your control. Now, a lot of people might not buy this option as the probability of a natural calamity or fire seems low usually.

However, it also covers theft that can happen to anyone, anywhere. Also, if you live in an area that is prone to natural calamities, it’s a good idea to always buy comprehensive coverage.

According to the World Atlas, the following states in the U.S. are highly likely to witness natural disasters:

  • Texas
  • California
  • Oklahoma

Other Car Insurance Coverage Rates for the Chevrolet Malibu

To protect car owners from different circumstances that might damage their car or cause personal injuries, car insurance providers offer many other coverage options.

For instance, if you’re unable to work after an accident, there’s a coverage option that covers your wages. Let’s look at what else you can get to protect yourself better in the event of a car accident.

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How do safety ratings of the Chevrolet Malibu affect Personal Injury Protection (PIP) car insurance rates?

Personal Injury Protection or PIP covers healthcare expenses for the car’s drivers and passengers in the event of an accident, even if you’re the at-fault driver. It’s completely separate from health insurance and often covers lost wages as a result of your inability to work.

Here’s a comparison table of PIP insurance losses by mid-sized four-door car models with percentages above and below the average losses.

PIP Insurance Losses for Mid-Sized Four-Door Car Models
Car Make and ModelPIP Insurance Losses
Subaru Legacy 4WD with EyeSight-27%
Subaru Legacy 4WD-19%
Chevrolet Malibu hybrid-8%
Ford Fusion 4WD-4%
Mazda 60%
Ford Fusion plug-in hybrid6%
Toyota Camry hybrid8%
Ford Fusion hybrid11%
Volkswagen Passat12%
Volkswagen Jetta24%
Ford Fusion26%
Honda Accord29%
Hyundai Sonata hybrid31%
Toyota Camry32%
Nissan Maxima42%
Chevrolet Malibu43%
Kia Optima46%
Hyundai Sonata57%
Nissan Altima85%
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Similar to other coverage option insurance losses, car insurance companies assess the frequency and severity of PIP claim to charge car insurance rates. So the more the losses, the higher will be the rate.

If your car is sturdy, it can take a higher impact from another vehicle in an accident and cause less injury to passengers. However, the PIP insurance losses for the Malibu are 43 percent over the average losses in this category, which means a higher than usual loss.

Since the losses are these high, you can expect a higher rate on this coverage option.

How do safety ratings of the Chevrolet Malibu affect MedPay car insurance rates?

Medical Payments Coverage or MedPay is another add-on option to your car insurance policy that covers personal injuries in the event of an accident. MedPay follows the policy owner, so even if you are hit as a pedestrian, you will be covered for healthcare expenses.

This option will also be over and above your personal medical insurance. Let’s look at the MedPay insurance losses for mid-sized sedans in the 2016–18 model years.

MedPay Insurance Losses for 2016–18 Model Mid-Sized Sedans
Car Make and ModelMedical Payment
Subaru Legacy 4WD with EyeSight-28%
Subaru Legacy 4WD-9%
Ford Fusion 4WD-7%
Mazda 61%
Ford Fusion hybrid2%
Ford Fusion plug-in hybrid5%
Honda Accord9%
Volkswagen Passat14%
Toyota Camry hybrid17%
Toyota Camry30%
Volkswagen Jetta33%
Ford Fusion35%
Nissan Maxima40%
Hyundai Sonata hybrid49%
Chevrolet Malibu62%
Kia Optima62%
Hyundai Sonata65%
Nissan Altima94%
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For MedPay insurance losses, the claims for the Chevrolet Malibu are 62 percent higher than the average, which is substantially worse than many vehicles in the category. Since losses are high for insurance providers, they will charge higher MedPay rates for the Malibu.

Let’s answer some quick questions about the Malibu now.

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FAQ

Is a Chevrolet Malibu expensive to insure?

Though historically car insurance costs on a Malibu have been affordable, the rates are rising since the last couple of years due to more expensive parts. With newer and safer models being introduced in the market, the rates are expected to stabilize.

What is the average mileage on a Chevrolet Malibu?

Within the city limits, the average mileage recorded on a Malibu is 29 miles/hour, while on highways, it goes up to 36 miles/hour.

Is the Chevrolet Malibu a good car?

The Malibu is fundamentally a solid mid-sized sedan with better than average safety ratings, however, it’s pitted against other popular cars such as the Toyota Camry and the Honda Accord that makes Malibu a bit weaker.

What’s the sticker price on the 2020 Chevrolet Malibu?

The newest Malibu has an MSRP in the range of $22,095–$33,320 depending on the trim level you choose to buy.

How safe is the Chevrolet Malibu?

In the year 2016, the Malibu was redesigned, and several new safety features were added to the new model. Because of these features, the Malibu was one of the top picks for the safest cars that year. However, it wasn’t able to retain that title for long, but it still remains one of the safest cars in the market.

The Chevrolet Malibu offers fuel efficiency and safety, both of which save money.

The insurance rates on a Chevy Malibu are very competitive and affordable because of the safety features that mean lower overall costs incurred because of accidents.

There are even more benefits to be found in a well-made and safety-focused vehicle. In addition to the security of driving a finely engineered machine is the ability to save money as well.

The insurance costs for a Chevrolet Malibu are fairly low and steady over the years of ownership, making it a top choice.

Be sure to explore all of your options when searching for and selecting car insurance for your Chevy Malibu. Enter your ZIP code into the box at the bottom of this page to compare FREE Chevrolet Malibu car insurance rates online now.