Chevrolet Malibu insurance costs average $78 monthly for minimum coverage and $151 for full coverage. Depending on your particular trim and model year, costs can range from $62 to $241 monthly for Chevrolet Malibu coverage.
Chevrolet Malibu Insurance Cost
Updated: October 3, 2025
Key Takeaways
Monthly Chevrolet Malibu insurance costs range from $54 for minimum coverage to $241 for full coverage, depending on your specific trim and model year selection.
The Malibu ranks 182nd for insurance affordability among 827 vehicle models sold in the United States between 2000 and 2025, placing it in the middle tier.
GEICO provides the most affordable full coverage for Chevrolet Malibu drivers at $117 monthly, while minimum coverage starts at just $54 per month.
How Much Is Chevrolet Malibu Insurance?
| Chevrolet Malibu | $78 | $151 |
Chevrolet Malibu Insurance Cost by Model Year
Your Chevrolet Malibu's model year and trim level directly impact insurance rates. Newer models cost more to insure because of their higher fair value. Monthly premiums for Malibu coverage span from $67 for older models to $213 for the newest versions.
| 2025 | $110 | $213 |
| 2024 | $107 | $208 |
| 2023 | $84 | $164 |
| 2022 | $80 | $155 |
| 2021 | $73 | $141 |
| 2020 | $73 | $140 |
| 2019 | $74 | $144 |
| 2018 | $75 | $145 |
| 2017 | $83 | $160 |
| 2016 | $85 | $165 |
| 2015 | $84 | $163 |
| 2014 | $82 | $158 |
| 2013 | $68 | $131 |
| 2012 | $72 | $137 |
| 2011 | $70 | $134 |
| 2010 | $72 | $139 |
| 2009 | $73 | $140 |
| 2008 | $75 | $144 |
| 2007 | $72 | $138 |
| 2006 | $72 | $138 |
| 2005 | $71 | $136 |
| 2004 | $87 | $166 |
| 2003 | $82 | $157 |
| 2002 | $75 | $143 |
| 2001 | $69 | $132 |
| 2000 | $67 | $128 |
Chevrolet Malibu Insurance Cost by Trim
Your Chevrolet Malibu's trim level affects insurance costs based on its features, market value and desirability. Monthly premiums vary widely across trim options, ranging from $66 to $239 based on our analysis of coverage rates.
| Ltz Maxx Hatchback 4d | $66 | $127 |
| Sedan 4d | $70 | $134 |
| Ss Maxx Hatchback 4d | $70 | $135 |
| Hybrid Sedan 4d | $74 | $143 |
| Ss Sedan 4d | $74 | $143 |
| Classic Sedan 4d | $75 | $143 |
| Ltz Sedan 4d | $75 | $144 |
| Ls Sedan 4d | $75 | $144 |
| Lt Sedan 4d | $76 | $146 |
| Rs Sedan 4d | $76 | $148 |
| L Sedan 4d | $77 | $149 |
| Ls Maxx Hatchback 4d | $77 | $148 |
| Lt Maxx Hatchback 4d | $77 | $148 |
| Classic Ls Sedan 4d | $78 | $150 |
| Classic Lt Sedan 4d | $79 | $152 |
| Eco Sedan 4d | $80 | $154 |
| Limited Ls Sedan 4d | $80 | $154 |
| 1lt Sedan 4d | $81 | $157 |
| Maxx Hatchback 4d | $81 | $155 |
| Limited Ltz Sedan 4d | $83 | $160 |
| Limited Lt Sedan 4d | $83 | $160 |
| Premier Sedan 4d | $85 | $165 |
| 2lt Sedan 4d | $91 | $177 |
| Ls | $98 | $191 |
| Rs | $102 | $198 |
| 1lt | $110 | $213 |
| 2lt | $123 | $239 |
Compare Personalized Chevrolet Malibu Insurance Costs
We analyzed Chevrolet Malibu insurance costs by model year and trim for personalized rates.
Data filtered by:Results filtered by:
Select
Model Year:2000
Select
Trim:Sedan 4d
| Sedan 4d | $66 | $126 |
Chevrolet Malibu Insurance Cost by Company
Chevrolet Malibu insurance costs vary by provider from $86 to $191 monthly. Minimum coverage ranges from $54 to $140, while full coverage costs $117 to $271. Rates vary due to different risk assessment models.
| AAA | $85 | $176 |
| AIG | $111 | $271 |
| Allstate | $99 | $192 |
| Amica | $100 | $204 |
| Chubb | $108 | $212 |
| Farmers | $108 | $190 |
| GEICO | $54 | $117 |
| Kemper | $73 | $146 |
| Nationwide | $91 | $157 |
| Progressive | $84 | $156 |
| State Farm | $72 | $150 |
| The Hartford | $82 | $139 |
| Travelers | $72 | $131 |
| UAIC | $140 | $175 |
Chevrolet Malibu Insurance Cost by State
Chevrolet Malibu insurance varies by state, from $28 monthly in Wyoming to $341 in Louisiana. State regulations, weather risks and accident statistics affect these rates.
| 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 |
Chevrolet Malibu Insurance Cost by Driver Profile
Driver age and record affect Chevrolet Malibu insurance rates. Young drivers under 25 pay up to $528 monthly, while adults 26 to 64 with clean records pay as low as $107 monthly.
| Adult Drivers | $78 | $151 |
| Young Drivers | $200 | $382 |
| Senior Drivers | $104 | $191 |
| Drivers With a Speeding Ticket | $98 | $190 |
| Drivers With an Accident | $115 | $221 |
| Drivers With a DUI | $144 | $274 |
| Drivers With Bad Credit | $185 | $371 |
Is a Chevrolet Malibu Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Chevrolet Malibu ranks 182nd out of 827, making it one of the more affordable cars to insure. Among midsize sedans, the model ranks around the middle compared to similar vehicles.
| Saturn S-Series | $47 | $90 |
| Dodge Stratus | $52 | $100 |
| Saab 9-5 | $53 | $103 |
| Saturn L-Series | $56 | $107 |
| Pontiac Grand Am | $59 | $113 |
| Mercury Milan | $62 | $118 |
| Mercury Sable | $64 | $122 |
| Suzuki Verona | $68 | $130 |
| Chrysler Sebring | $68 | $130 |
| Saab 9-3 | $68 | $131 |
| Mercury Montego | $71 | $137 |
| Pontiac Grand Prix | $73 | $140 |
| Pontiac G6 | $75 | $144 |
| Mitsubishi Galant | $76 | $146 |
| Chevrolet Malibu | $78 | $151 |
| Ford Fusion | $80 | $155 |
| Nissan Altima | $80 | $155 |
| Volkswagen CC | $81 | $156 |
| Nissan Maxima | $82 | $159 |
| Volkswagen Passat | $83 | $159 |
| Hyundai Azera | $84 | $162 |
| Honda Clarity | $85 | $164 |
| Dodge Magnum | $85 | $164 |
| Subaru Legacy | $85 | $165 |
| Honda Accord | $86 | $166 |
| Chrysler 200 | $86 | $166 |
| Mazda 6 | $86 | $167 |
| Dodge Avenger | $87 | $168 |
| Kia Optima | $89 | $172 |
| Toyota Camry | $90 | $175 |
| Hyundai Sonata | $96 | $186 |
| Hyundai Ioniq 6 | $96 | $187 |
| Kia K5 | $99 | $193 |
| Toyota Crown | $108 | $210 |
| Kia Stinger | $121 | $235 |
| Toyota Mirai | $140 | $273 |
| Lucid Air | $160 | $314 |
Factors That Affect Chevrolet Car Insurance Costs
Several key factors influence how much you'll pay for Chevrolet Malibu insurance:
- Age (30 to 49 primary): Mature drivers with established driving records receive better rates than younger demographics.
- Income (middle to upper-middle class): Stable financial backgrounds correlate with responsible driving behaviors and consistent coverage.
- Vehicle choice: Sedan buyers prioritize safety and reliability over performance, resulting in lower risk profiles for insurers.
Average Repair or Replacement Costs
Chevrolet ranks 10th in repair affordability among 59 U.S. automakers with median annual costs of $723. Chevrolet Malibu repair costs average $688 annually, making it a more affordable model to repair.
Vehicle Trim, Features and Accessories
The 2025 Malibu features a consistent 163-horsepower turbocharged 1.5-liter engine across all four trim levels: LS, RS, 1LT and 2LT. Higher trims like the 2LT include advanced features such as LED headlights, 19-inch aluminum wheels, leather-appointed seating, and a 9-speaker Bose premium audio system.
These premium features increase replacement costs, potentially leading to higher comprehensive and collision coverage premiums on upper trim levels.
Fuel Type
The Chevrolet Malibu operates on regular gasoline with impressive fuel efficiency ratings of 28 city/38 highway MPG (2025 model), delivering up to 30 MPG combined. The turbocharged engine includes direct injection and stop/start technology for optimal fuel economy.
Standard gasoline engines ensure widespread service availability and affordable maintenance, with no specialized repair requirements that could impact insurance costs like electric or hybrid vehicles.
Location
As Chevrolet's sole remaining sedan in their North American lineup, the Malibu appeals to traditional sedan buyers across diverse geographic markets. The model shows strong appeal in suburban and mid-size metropolitan areas where families prioritize fuel efficiency and value.
Insurance rates vary by region, with the Malibu's family-sedan positioning typically resulting in favorable rates in lower-density markets compared to urban centers with higher accident and theft rates.
Driver Profile
Most Chevrolet Malibu drivers choose sedans for practical family transportation and fuel efficiency. This demographic typically represents lower insurance risk due to their driving experience and financial stability.
Driver demographics affect Malibu insurance rates:
Cheapest Chevrolet Malibu Insurance Companies
GEICO offers the most affordable Malibu car insurance with monthly full coverage premiums averaging $117. For drivers who only need minimum coverage, GEICO remains the cheapest option at $54 monthly.
| GEICO | $54 | $117 |
| Travelers | $72 | $131 |
| Kemper | $73 | $146 |
| The Hartford | $82 | $139 |
| State Farm | $72 | $150 |
Cheapest Chevrolet Malibu Insurance by State
Overall, we found that the following are the top three cheapest car insurance providers in the state for a Chevrolet Malibu:
- Auto-Owners: Wins for affordability in 14 states
- GEICO: Wins for affordability in 11 states
- Progressive: Wins for affordability in five states
You can filter below to see who offers the most affordable auto insurance rates for your Chevrolet Malibu.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Cincinnati Insurance | $34 |
How to Get the Best Cheap Chevrolet Malibu Insurance
Here's how to find the most affordable car insurance for your Chevrolet Malibu:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Chevrolet's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and with another provider. You can then find the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Chevrolet Malibu, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Malibu owners will qualify for:
- Good Driver/Safe Driver Discount (5% to 30% savings): Malibu owners are typically mature drivers (average age 55) who prioritize comfort and practicality over performance, resulting in clean driving records that qualify them for good driver discounts.
- Bundling/Multi-Policy Discount (5% to 25% savings): With 32% of Malibu owners identifying as "hometown retired" and median household incomes supporting homeownership, they can often bundle auto and home insurance for substantial savings.
- Low-Mileage Discount (5% to 25% savings): Many Malibu owners use their sedans primarily for local driving and errands rather than extensive commuting, often resulting in lower annual mileage that qualifies for low-mileage discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): The Malibu earned a five-star overall National Highway Traffic Safety Administration (NHTSA) rating and includes standard safety features like automatic emergency braking, lane-keeping assist, and following distance indicator, which help you avoid crashes. Lots of insurance companies will knock money off your bill for this.
- Loyalty/American-Made Discount (5% to 15% savings): With 62% of Malibu owners preferring to buy from U.S. companies (compared to 24% segment average), many insurers offer discounts for customers who demonstrate brand loyalty or preference for American-made vehicles.
- 5
Consider alternative car insurance types
Chevrolet Malibu owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Chevrolet Malibu insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Chevrolet Malibu Insurance Cost: Bottom Line
Insuring a Chevrolet Malibu costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Chevrolet Malibu Insurance Rates: FAQ
Here are answers to common questions about insuring a Chevrolet Malibu.
What is the average cost of car insurance for a Chevrolet Malibu?
The Chevrolet Malibu's average annual insurance cost is $939 for minimum coverage and $1,812 for full coverage.
What company has the cheapest car insurance for a Chevrolet Malibu?
GEICO offers the most affordable Malibu car insurance with monthly full coverage premiums averaging $117. For drivers who only need minimum coverage, GEICO remains the cheapest option at $54 monthly.
Are Chevrolet Malibus expensive to insure?
No, Chevrolet Malibu insurance is more affordable than most cars. Out of 827 vehicles we track, the Malibu ranks 182nd for affordability, making it one of the more affordable vehicles to insure. Among midsize sedans, this model sits around the middle for car insurance costs.
What factors affect insurance costs for Chevrolet Malibus?
Several factors affect your Chevrolet Malibu rates. These include repair costs, your driving record and credit score, coverage choices and your location. Areas with higher theft rates or weather-related risks will have higher premiums.
How can I lower Chevrolet Malibu insurance costs?
Shop around with multiple insurers, as rates vary for Chevrolets, and consider usage-based insurance programs that track your driving habits. Take advantage of Chevrolet's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Chevrolet Malibu Insurance Costs
We studied hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to get you the most accurate Chevrolet Malibu insurance costs.
Who We Based These Rates On
These Chevrolet Malibu prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score is in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.