Is a Chevy Malibu expensive to insure?

The cost to insure a Chevy Malibu is close to the national average cost of car insurance at $2,789 per year or $232 per month for full coverage. However, higher trim levels may come with higher premiums due to the added cost of repairs for these models.

What is the cheapest family car to insure?

While car insurance for the Chevrolet Malibu costs just 4 percent more than the national average, it's not one of the cheapest family cars to insure. Small family-friendly SUVs like the Subaru Forester and Toyota RAV4 typically have lower insurance costs than larger sedans like the Malibu.

How to save money on car insurance?

Malibu owners can save on car insurance by shopping around to find the most competitive offer from local and national carriers. In addition to comparing quotes, it's worth exploring discounts that may be available from various providers. In most states, Malibu owners can also use a telematics program to receive discounts based on their own driving habits.

Car Insurance for Chevrolet Malibu

How much does it cost to insure a Chevrolet Malibu?

The average cost of car insurance for a Chevrolet Malibu is $2,789 per year for full coverage and $851 per year for state minimum coverage. In both cases, that's close to the national average of $2,671 per year for full coverage and $806 per year for minimum coverage.

Insurance companies take the make and model of your vehicle into account when setting the price of your policy because vehicle details can impact your overall risk of claims. For instance, imported vehicles or cars with shaky crash ratings may pose a risk of more frequent or more expensive claims.

$2,789 Avg annual full coverage
insurance premium

$851 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): From $25,800

Trims available: LS, RS, LT and 2LT

Repair costs

The higher the trim level of your Malibu, the more it may cost to repair. If your insurance policy needs to cover the cost of fixing extras like a high-end audio system or custom appearance packages on top of mechanical basics, you'll pay more to insure the car.

Safety features

The Malibu's standard driver assistance aids lag a few steps behind the competition. If you want safety tech like adaptive cruise control or blind-spot warnings, you'll pay extra for both the vehicle and the insurance.

Crash ratings

While the National Highway Traffic Safety Administration gave the 2025 Malibu five stars for safety, the same model scored abysmally in crash tests conducted by the Insurance Institute for Highway Safety, which may throw up red flags for insurers trying to estimate its risk.

Cheapest car insurance companies for a Chevrolet Malibu

The best way to find the cheapest car insurance for a Chevrolet Malibu is to compare rates from multiple carriers based on your personal information. That's because car insurance rates are highly individualized and based on a wide variety of rating factors specific to the insured driver. No single company has the cheapest coverage for all Chevy Malibu owners.

How much does it cost to insure my Chevrolet Malibu?

To help you start estimating your Chevy Malibu insurance costs, Bankrate analyzed average premiums from top-rated carriers with national and broad regional coverage to find the cheapest providers on average for this model.

Chevrolet Malibu car insurance premium by carrier


Auto-Owners	$1,960	- $829
Progressive	$2,343	- $446
Nationwide	$2,309	- $480
Geico	$2,394	- $395
AAA	$2,530	- $259

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Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Chevrolet Malibu

We've shown rates on this page for a standard amount of full coverage insurance, but your own insurance needs may look different. To determine how much insurance you need on your Chevy Malibu, consider working with a licensed professional or look into some of the following options:

Comprehensive and collision coverage: Even if you own your Malibu outright, it's typically smart to keep physical damage coverage on the vehicle unless the cost of payments outweighs the value of the car. These coverage types — considered full coverage — pay out in covered events regardless of fault.
High liability limits: The minimum liability limits set by state law aren't enough for most drivers, and even the standard options offered by many agencies may not cover all of your assets. Look for a policy with enough liability coverage to account for all of your assets.
Gap insurance: The Malibu is a fairly affordable car, but it's still a major investment — one you can protect by adding a gap coverage endorsement to your policy. If your new Malibu is totaled in an accident, this coverage would pay the difference on your remaining loan.

How to get a Chevrolet Malibu car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Chevrolet Malibu with other similar cars

Chevrolet Malibu Avg annual full coverage premium $2,789 Read More	Toyota Camry Hybrid Avg annual full coverage premium $2,802 Read More	Hyundai Sonata Avg annual full coverage premium $2,857 See more models
Price (MSRP)
$25,800	$28,700	$26,900
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	5 stars	5 stars
Gas mileage
31 combined mpg	50 combined mpg	32 combined mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Substantially worse than average	Worse than average	Substantially worse than average

Frequently asked questions

The cost to insure a Chevy Malibu is close to the national average cost of car insurance at $2,789 per year or $232 per month for full coverage. However, higher trim levels may come with higher premiums due to the added cost of repairs for these models.
While car insurance for the Chevrolet Malibu costs just 4 percent more than the national average, it's not one of the cheapest family cars to insure. Small family-friendly SUVs like the Subaru Forester and Toyota RAV4 typically have lower insurance costs than larger sedans like the Malibu.
Malibu owners can save on car insurance by shopping around to find the most competitive offer from local and national carriers. In addition to comparing quotes, it's worth exploring discounts that may be available from various providers. In most states, Malibu owners can also use a telematics program to receive discounts based on their own driving habits.

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.