Estimates, not quotes

Chevrolet Malibu Insurance Cost

Full coverage for a Chevrolet Malibu costs about $2,055 a year ($171/month) by our estimate — ▲ +29% versus the average vehicle.

Chevrolet Malibu exterior (photo from Wikimedia Commons)
Photo: M 93, CC BY-SA 3.0 de
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Chevrolet Malibu insurance cost at a glance

Full coverage
$2,055
$171/mo · $1,685–$2,425
Minimum liability
$920
$77/mo
Segment
Midsize car
Gasoline, Hybrid, Flex-fuel
HLDI collision losses
124
Much worse than average (100 = avg)
NHTSA overall
★★★★★
2025 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2025 model year. Our vehicle data covers the 2005–2025 model years of the Chevrolet Malibu, which is no longer in production.

Estimated Chevrolet Malibu premium by coverage level (national average rates)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $920 $77 $755–$1,085
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,335 $111 $1,095–$1,575
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $2,055 $171 $1,685–$2,425

What drives the cost of insuring a Chevrolet Malibu

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Chevrolet Malibu's results put our vehicle factor at 1.50× for liability, 1.20× for collision and 0.98× for comprehensive.

HLDI relative insurance losses — Chevrolet Malibu (Midsize Four-door cars)
CoverageIndexRatingWhat it measures
Collision124Much worse than averageDamage to this car in crashes; driven by repair costs and crash frequency
Comprehensive98AverageTheft, vandalism, glass, weather and animal damage
Property damage liability149Much worse than averageDamage this car does to other vehicles and property
Bodily injury liability219Much worse than averageInjuries to people in other vehicles (claim frequency)
Personal injury protection180Much worse than averageInjuries to occupants of this car (claim frequency)
Medical payments204Much worse than averageInjuries to occupants of this car (claim frequency)
  • Repair and parts costs: Midsize car — mainstream parts availability keeps repairs moderate.
  • Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
  • Recalls & complaints: 3 NHTSA recall campaigns and 119 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Chevrolet Malibu trims and configurations (2025)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

ConfigurationDriveEngineMPG (comb.)
MalibuFWD1.5L 4-cyl Turbo31

Chevrolet Malibu insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model yearEnginesDriveMPGEst. full / yr
20251.5L 4-cyl TurboFWD31$2,055
20241.5L 4-cyl TurboFWD31$2,020
20231.5L 4-cyl TurboFWD30$1,985
20221.5L 4-cyl Turbo, 2.0L 4-cyl TurboFWD26–32$1,950
20211.5L 4-cyl Turbo, 2.0L 4-cyl TurboFWD26–32$1,910
20201.5L 4-cyl Turbo, 2.0L 4-cyl TurboFWD26–32$1,875
20191.5L 4-cyl Turbo, 1.8L 4-cyl Hybrid, 2.0L 4-cyl TurboFWD26–46$1,840
20181.5L 4-cyl Turbo, 1.8L 4-cyl Hybrid, 2.0L 4-cyl TurboFWD26–46$1,805
20171.5L 4-cyl Turbo, 1.8L 4-cyl Hybrid, 2.0L 4-cyl TurboFWD26–46$1,770
20161.5L 4-cyl Turbo, 1.8L 4-cyl Hybrid, 2.0L 4-cyl TurboFWD26–46$1,735
20152.0L 4-cyl Turbo, 2.5L 4-cylFWD24–29$1,730
20142.0L 4-cyl Turbo, 2.4L 4-cyl Hybrid, 2.5L 4-cylFWD24–29$1,730
20132.0L 4-cyl Turbo, 2.4L 4-cyl Hybrid, 2.5L 4-cylFWD24–29$1,730
20122.4L 4-cyl, 3.6L 6-cylFWD20–26$1,730
20112.4L 4-cyl, 3.6L 6-cylFWD20–26$1,730
20102.4L 4-cyl, 2.4L 4-cyl Hybrid, 3.5L 6-cylFWD20–29$1,730
20092.4L 4-cyl, 2.4L 4-cyl Hybrid, 3.5L 6-cylFWD20–29$1,730
20082.4L 4-cyl, 2.4L 4-cyl Hybrid, 3.5L 6-cylFWD20–27$1,730
20072.2L 4-cyl, 3.5L 6-cyl, 3.9L 6-cylFWD18–25$1,730
20062.2L 4-cyl, 3.5L 6-cyl, 3.9L 6-cylFWD19–24$1,730

Chevrolet Malibu insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Malibu page for that state.

StateFull coverageMinimumvs. nationalMalibu page
Alabama$1,750$720−15%Malibu in AL
Alaska$1,795$935−13%Malibu in AK
Arizona$2,160$990+5%Malibu in AZ
Arkansas$1,745$675−15%Malibu in AR
California$1,995$860−3%Malibu in CA
Colorado$2,280$975+11%Malibu in CO
Connecticut$2,225$1,065+8%Malibu in CT
Delaware$2,370$1,205+15%Malibu in DE
District of Columbia$2,575$1,115+25%Malibu in DC
Florida$3,065$1,620+49%Malibu in FL
Georgia$2,615$1,310+27%Malibu in GA
Hawaii$1,400$650−32%Malibu in HI
Idaho$1,385$600−33%Malibu in ID
Illinois$1,760$745−14%Malibu in IL
Indiana$1,440$605−30%Malibu in IN
Iowa$1,320$465−36%Malibu in IA
Kansas$1,570$605−24%Malibu in KS
Kentucky$1,730$790−16%Malibu in KY
Louisiana$2,855$1,185+39%Malibu in LA
Maine$1,285$635−37%Malibu in ME
Maryland$2,330$1,130+13%Malibu in MD
Massachusetts$2,020$890−2%Malibu in MA
Michigan$2,225$1,150+8%Malibu in MI
Minnesota$1,665$705−19%Malibu in MN
Mississippi$1,920$795−7%Malibu in MS
Missouri$1,825$770−11%Malibu in MO
Montana$1,560$590−24%Malibu in MT
Nebraska$1,570$605−24%Malibu in NE
Nevada$2,470$1,300+20%Malibu in NV
New Hampshire$1,445$605−30%Malibu in NH
New Jersey$2,560$1,405+25%Malibu in NJ
New Mexico$1,820$780−11%Malibu in NM
New York$2,825$1,395+37%Malibu in NY
North Carolina$1,480$670−28%Malibu in NC
North Dakota$1,225$415−40%Malibu in ND
Ohio$1,445$605−30%Malibu in OH
Oklahoma$1,785$705−13%Malibu in OK
Oregon$1,895$940−8%Malibu in OR
Pennsylvania$1,750$640−15%Malibu in PA
Rhode Island$2,540$1,230+24%Malibu in RI
South Carolina$2,240$1,100+9%Malibu in SC
South Dakota$1,440$475−30%Malibu in SD
Tennessee$1,670$675−19%Malibu in TN
Texas$2,380$1,035+16%Malibu in TX
Utah$1,910$980−7%Malibu in UT
Vermont$1,285$475−37%Malibu in VT
Virginia$1,765$940−14%Malibu in VA
Washington$1,830$885−11%Malibu in WA
West Virginia$1,655$655−19%Malibu in WV
Wisconsin$1,365$560−34%Malibu in WI
Wyoming$1,480$485−28%Malibu in WY

Chevrolet Malibu insurance by driver profile

Estimated annual Chevrolet Malibu premium by driver (national average rates)
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,530 $3,670 $5,650 $471
Young adult (22) $1,475 $2,135 $3,285 $274
Adult in their 30s $920 $1,335 $2,055 $171
Adult in their 50s $845 $1,230 $1,890 $158
Senior (72) $1,030 $1,495 $2,300 $192
30s, one at-fault accident $1,335 $1,935 $2,980 $248
30s, DUI on record $1,705 $2,470 $3,800 $317

Chevrolet Malibu vs. rivals

ModelFull coverage / yrHLDI collisionHLDI comprehensiveComparison
Chevrolet Malibu$2,05512498—
Tesla Model 3$1,67013387Compare
Nissan Altima$1,995135106Compare
Kia K5$2,005144116Compare

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Frequently asked questions

How much is insurance for a Chevrolet Malibu?

We estimate about $2,055 a year ($171 a month) for full coverage and $920 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 29% more than the average vehicle.

Is the Chevrolet Malibu expensive to insure?

HLDI insurance-loss data rates it at 124 for collision and 98 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Chevrolet Malibu?

North Dakota has the lowest estimate (about $1,225 a year for full coverage) and Florida the highest (about $3,065).

What is the Chevrolet Malibu's NHTSA safety rating?

The 2025 Chevrolet Malibu earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Chevrolet Malibu cheaper to insure than the Tesla Model 3?

By our estimate the Chevrolet Malibu costs about $2,055 a year versus $1,670 for the Tesla Model 3, making the Tesla Model 3 cheaper to insure.

How much is Chevrolet Malibu insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,650 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page