Newer Chevrolet Malibus cost more to insure than older models due to their higher market values. Monthly premiums range from $239 for 2025 models down to $66 for older Malibus.
Chevrolet Malibu Insurance Cost
Updated: January 21, 2026
Key Takeaways
Chevrolet Malibu insurance costs an average of $151 monthly for full coverage. Rates vary by model year and insurer, with GEICO offering the lowest average rates. Read more
The Malibu ranks 51st out of 199 sedans for insurance affordability, placing it mid-tier. Sedans cost more to insure than most vehicle types, making the Malibu affordable. Read more
Check rates for your Malibu's model year to get accurate insurance costs. Read more
How Much Is Chevrolet Malibu Insurance?
Looking for another Chevrolet model? Read more about the cost of Chevrolet car insurance models.
Insurance rates depend on model year and insurer. Chevrolet Malibu minimum coverage costs range from $54 monthly with GEICO to $140 with UAIC, while full coverage spans $117 monthly with GEICO to higher rates with AIG.
Rate variations (more than $86 for minimum coverage and $154 for full coverage) highlight why comparing insurers matters for Malibu owners. Each company calculates model-specific risk differently, which impacts your final rate.
| AAA | $152 | $316 |
| AIG | $200 | $505 |
| Allstate | $162 | $316 |
| Amica | $169 | $346 |
| Chubb | $195 | $388 |
| Farmers | $200 | $354 |
| Geico | $83 | $179 |
| Kemper | $137 | $274 |
| Nationwide | $184 | $318 |
| Progressive | $160 | $301 |
| State Farm | $130 | $270 |
| The Hartford | $137 | $233 |
| Travelers | $141 | $262 |
| UAIC | $207 | $260 |
Is Chevrolet Malibu Expensive to Insure?
MoneyGeek's analysis of sedan insurance costs shows the Chevrolet Malibu sitting at 51st place among 199 sedans in our database. You'll find it costs a few dollars more per month than a Buick Lucerne but remains cheaper than a Volkswagen Phaeton. This middle positioning among sedans means there are 50 more affordable sedan options to consider.
While it's middle-tier for sedans, the Malibu ranks 182nd out of 827 total vehicles, placing it in the top 25% most affordable cars to insure. The Saturn S-Series claims the cheapest sedan spot, while the Cadillac CTS-V commands the highest premiums in this category.
| Saturn Aura | $114 | 48 |
| Volvo S80 | $114 | 49 |
| Buick Lucerne | $114 | 50 |
| Chevrolet Malibu | $115 | 51 |
| Volkswagen Phaeton | $115 | 52 |
| Lincoln MKZ | $116 | 53 |
| Acura TL | $117 | 54 |
Several factors affect what you'll pay for Chevrolet Malibu insurance:
- Average Repair or Replacement Costs: With annual repair costs averaging $688, the Malibu ranks as Chevrolet's 19th most affordable model to maintain out of 38 total models, helping keep insurance premiums reasonable.
- Vehicle Trim, Features and Accessories: The Malibu's horsepower ranges from 160 to 250, depending on your trim level. Higher-performance trims with more powerful engines result in increased insurance premiums due to greater risk exposure.
- Driver Profile: Most Chevrolet Malibu drivers have a median age of around 40 years old, which generally leads to lower insurance rates due to stable demographics. Read more about the costs of Chevrolet Malibus for young drivers.
Chevrolet Malibu Insurance Cost by State
Car insurance for a Chevrolet Malibu ranges from $28 monthly in Wyoming to $158 in Louisiana for minimum coverage, depending on where you're located. These dramatic cost differences reflect your state's risk characteristics and insurance regulations rather than anything specific about the vehicle model itself.
| 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 Costs by Model Year and Insurance Company
A 2016 Chevrolet Malibu costs an average of $188 monthly to insure with full coverage, while a 2025 model costs $250 for drivers aged 35 to 55. Your Malibu's model year and your age greatly affect insurance costs, with newer vehicles commanding higher premiums. Young drivers in their teens and early twenties will pay much more across all model years.
GEICO offers the cheapest rates across all Malibu model years and could save certain drivers hundreds of dollars monthly.Â
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Chevrolet Malibu
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
Cost of Car Insurance for 2024 Chevrolet Malibu
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
Cost of Car Insurance for 2023 Chevrolet Malibu
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
Cost of Car Insurance for 2022 Chevrolet Malibu
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
Cost of Car Insurance for 2021 Chevrolet Malibu
| Geico | $90 | $196 |
| National General | $154 | $315 |
| The Hartford | $157 | $267 |
| State Farm | $165 | $345 |
| Kemper | $165 | $329 |
| Travelers | $182 | $341 |
| AAA | $198 | $411 |
| Allstate | $201 | $396 |
| Progressive | $206 | $387 |
| Nationwide | $231 | $400 |
| Amica | $232 | $476 |
| UAIC | $240 | $305 |
| Farmers | $253 | $449 |
| AIG | $271 | $698 |
| Chubb | $284 | $567 |
Cost of Car Insurance for 2020 Chevrolet Malibu
| Geico | $73 | $160 |
| National General | $125 | $256 |
| The Hartford | $127 | $217 |
| State Farm | $134 | $280 |
| Kemper | $134 | $268 |
| Travelers | $148 | $277 |
| AAA | $161 | $335 |
| Allstate | $163 | $322 |
| Progressive | $167 | $315 |
| Nationwide | $188 | $325 |
| Amica | $189 | $387 |
| UAIC | $195 | $248 |
| Farmers | $205 | $365 |
| AIG | $220 | $568 |
| Chubb | $231 | $461 |
Cost of Car Insurance for 2019 Chevrolet Malibu
| Geico | $60 | $132 |
| National General | $103 | $212 |
| The Hartford | $105 | $179 |
| State Farm | $111 | $232 |
| Kemper | $111 | $221 |
| Travelers | $122 | $229 |
| AAA | $133 | $277 |
| Allstate | $135 | $266 |
| Progressive | $138 | $260 |
| Nationwide | $155 | $269 |
| Amica | $156 | $320 |
| UAIC | $162 | $205 |
| Farmers | $170 | $302 |
| AIG | $182 | $469 |
| Chubb | $191 | $381 |
Cost of Car Insurance for 2018 Chevrolet Malibu
| Geico | $61 | $133 |
| National General | $75 | $154 |
| Travelers | $85 | $157 |
| State Farm | $88 | $182 |
| Progressive | $95 | $179 |
| Kemper | $101 | $206 |
| Nationwide | $101 | $175 |
| The Hartford | $104 | $177 |
| AAA | $110 | $228 |
| Amica | $116 | $239 |
| Allstate | $122 | $235 |
| Chubb | $131 | $260 |
| AIG | $136 | $342 |
| UAIC | $139 | $174 |
| Farmers | $149 | $265 |
Cost of Car Insurance for 2017 Chevrolet Malibu
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
Cost of Car Insurance for 2016 Chevrolet Malibu
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
Chevrolet Malibu Insurance Cost by Trim
Insurance costs for your Chevrolet Malibu vary by trim, ranging from $66 monthly for minimum coverage on basic Ltz Maxx Hatchback 4d models to $239 for full coverage on high-performance 2lt variants. Performance features, rarity, and market value determine where each trim falls in this range.
| 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 |
How to Lower the Cost of Chevrolet Malibu Insurance
We've compiled proven strategies to help you find affordable Chevrolet Malibu insurance rates:
- 1Choose the right coverage
You'll need to decide [how much coverage to buy] for your Chevrolet Malibu based on your ownership situation. If you own your vehicle, get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing [average auto insurance costs] for mid-size sedans like your Malibu. This benchmark assists with shopping for the [cheapest car insurance companies] offering competitive rates. Understanding typical costs for your vehicle type helps you identify genuinely good deals versus overpriced policies when comparing quotes from different insurers.
- 3Look for more than just low rates
Finding quality [car insurance] means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers might offer limited coverage options or slower customer service when you need to file a claim.
- 4Explore discounts you qualify for
Discover [car insurance discounts] that apply to your situation and vehicle. Chevrolet Malibu owners often qualify for safety features discounts due to standard equipment like automatic emergency braking, good driver discounts for clean records, multi-vehicle savings for insuring multiple cars and bundling discounts when combining auto and home insurance policies with the same company.
- 5Consider alternative car insurance types
Malibu owners might benefit from [usage-based insurance] programs that track driving habits and offer premium reductions. Options like Progressive Snapshot or Allstate Drivewise monitor safe driving behaviors and low mileage usage. These telematics programs can deliver significant savings for careful drivers who don't put many miles on their vehicles annually.
- 6Check rates every year
Obtain [car insurance quotes] from multiple companies annually to ensure you're getting competitive pricing. Your current insurer doesn't notify you when competitors lower their rates, so regular comparisons could save up to 24% on your Chevrolet Malibu insurance. Set a calendar reminder to shop rates before your policy renewal date each year.
Chevrolet Malibu Insurance Cost: Bottom Line
Chevrolet Malibu insurance costs less than average, and you'll find plenty of decent rates available. Claim applicable discounts and shop between multiple companies to secure your best possible rate.
Chevrolet Malibu Insurance Rates: FAQ
What is the average cost of car insurance for a Chevrolet Malibu?
Chevrolet Malibu insurance costs $939 annually for state minimum coverage and $1,812 for full coverage. Monthly premiums average $78 for minimum and $151 for comprehensive protection.
What company has the cheapest car insurance for a Chevrolet Malibu?
Geico provides the most affordable auto insurance for a Chevrolet Malibu at $651 annually for minimum coverage. The company also offers the best value for full coverage at $1,403 per year.
Are Chevrolet Malibus expensive to insure?
No, Chevrolet Malibu insurance is not expensive compared to most vehicles. The Malibu ranks 182nd out of 827 vehicles for affordability, placing it in the more affordable category within sedans at 51st out of 199 models.
What factors affect insurance costs for Chevrolet Malibus?
Various factors affect your Chevrolet Malibu insurance costs. Your driving record and credit score impact rates, along with the coverage levels you select. The Malibu's repair costs, safety features, and theft rates also influence premiums insurers charge for coverage.
How can I lower Chevrolet Malibu insurance costs?
Compare quotes from several insurers since Chevrolet Malibu pricing differs between companies, and explore usage-based programs that monitor safe driving. Maximize available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Chevrolet Malibu Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Chevrolet Malibu insurance costs.
Who We Based These Rates On
These Chevrolet Malibu rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.