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
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.
Malibu rates spread by more than $86 a month on minimum coverage and $154 on full coverage depending on the insurer. Each company applies its own risk model to the same vehicle. Getting at least three quotes is the only way to find your lowest 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?
The Chevrolet Malibu ranks 51st for affordability among 199 sedans in MoneyGeek's database. It costs a few dollars more a month than a Buick Lucerne and a few dollars less than a Volkswagen Phaeton.
Across all 827 models in the database, the Malibu ranks 182nd, which puts it in the top 25% for overall affordability. The Saturn S-Series is the cheapest sedan to insure and the Cadillac CTS-V is the most expensive.
| 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 costs. The Chevrolet Malibu averages $688 a year in repair costs, 19th lowest among Chevrolet's 38 models, which is a mid-range figure that keeps premiums in line with other sedans in its class.
- Trim, features and accessories. The Malibu's power output ranges from 160 to 250 horsepower depending on trim. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. Malibu drivers have a median age around 40, which is a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle. Read more about the costs of Chevrolet Malibus for young drivers.
Chevrolet Malibu Insurance Cost by State
Wyoming drivers pay $28 a month for minimum coverage on a Chevrolet Malibu. Louisiana drivers pay $158. That difference comes from state-level differences in claims frequency, litigation rates and insurance regulations, not the vehicle.
| 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
Full coverage on a 2016 Malibu averages $188 a month. A 2025 model costs $250 a month for drivers ages 35 to 55. Drivers in their teens and early twenties pay more across all model years. Age and model year are the two variables that affect Malibu premiums most.
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
Coverage needs depend on how you own the Malibu. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for mid-size sedans give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. The cheapest car insurance companies data shows which carriers price low for Malibu drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum feedback on claims processing surfaces problems that don't appear in formal ratings.
- 4Find every discount you qualify for
Chevrolet Malibu owners commonly qualify for safety feature discounts (the Malibu's standard automatic emergency braking supports this) along with good driver credits, multi-vehicle savings and bundling discounts when combining auto and home insurance with the same company.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor speed, braking and mileage, then price the policy on actual driving behavior. Malibu drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Get rates every year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
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?
Driving record, credit score and coverage level are the primary variables in any Malibu premium. On the vehicle side, the Malibu's $688 average annual repair cost sits mid-range among Chevrolet's 38 models.
Standard safety features like automatic emergency braking support lower rates where insurers credit them.
How can I lower Chevrolet Malibu insurance costs?
Start with quotes from at least three insurers because there's a $154 full coverage difference between the cheapest and most expensive provider. Stack every discount you qualify for: good driver, multi-vehicle and bundling home insurance are the highest-value options.
Usage-based programs like Progressive Snapshot cut costs further for lower-mileage drivers with clean habits.
How We Determined Chevrolet Malibu Insurance Costs
Chevrolet Malibu cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.) and began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!