Best Car Insurance for Chevrolet Malibu LS 2022

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Best insurance for Chevrolet Malibu LS

One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 33% per year insuring their Chevrolet Malibu LS when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Chevrolet Malibu LS drivers after switching with Jerry.
Quote DateZip CodeStateCityAgeInsurance Company
Before Jerry
After Jerry
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How much does it cost to insure a Chevrolet Malibu LS

The average annual cost to insure a Chevrolet Malibu LS is $3,134, which is $172 higher than the average annual cost to insure Chevrolets. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.

Insurance coverage to consider for a Chevrolet Malibu LS

While the mandatory liability coverage will be the cheapest option to insure your Malibu LS, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather

What determines your car insurance cost for a Chevrolet Malibu LS

In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.

Your age

The cost of insurance for a Chevrolet Malibu LS will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Chevrolet Malibu LS than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Chevrolet Malibu LS:
Age Groups
Average Cost
Annual Savings with Jerry

The year of your car

Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Chevrolet Malibu LS will be lower for an older car. These are real quotes Jerry has found for drivers of a Chevrolet Malibu LS based on model year:
Model year
Average Cost
Annual Savings with Jerry

Your carrier

While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Chevrolet Malibu LS with different carriers:
Insurance company
Average Cost
Annual Savings with Jerry
Assurance America$4,443$2,592
Commonwealth Insurance$3,000$1,852
Plymouth Rock$3,766$1,841

Trim levels and vehicle materials

The Chevrolet Malibu LS comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Chevrolet Malibu LS.

How can I save money when insuring my Chevrolet Malibu LS

Getting car insurance for your new Malibu LS doesn’t have to be bank-breaking. Here are a few methods you can use to keep the price down, even when finding great coverage.

Comparison shop

Comparison shopping is the number one way to save money on your car insurance. Of course, this usually means filling out lots of online forms, dealing with sales calls, and trying to fairly compare apples to oranges.
You can save the headache by shopping for quotes with Jerry. Using Jerry is the fastest, easiest way to compare quotes from various providers. Sign-up takes less than a minute and Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls.
Key Takeaway Comparison shopping with Jerry is the easiest way to ensure you’re getting the best rate for the insurance coverage you want.

Skip the extra features

While the LS comes with a standard infotainment package, there are several cosmetic and entertainment features that you can add to the Malibu LS. These features include a sunroof, an upgraded sound system, a wireless charging station, and more.
Generally speaking, adding extra features (like an upgraded sound system) to your vehicle tends to increase your insurance rate—especially if you need added coverage to protect them.

Invest in safety features

The Chevrolet Malibu LS already has a great safety rating, but adding additional safety features can help reduce your insurance premium. Focusing your extra investments on add-ons like Blind-Spot Monitor, Rear Parking Aid, and Lane Departure Warning can help keep your vehicle out of accidents and lower your insurance prices.

Keep a clean record

When you get tickets for speeding, reckless driving, or driving under the influence, your insurance provider will likely raise your monthly car insurance rates. Having a ticketed record will make them assume you’re more accident-prone than other insured drivers.
For this reason, be responsible and keep your record free of incidents.

Look for discounts

Many insurance providers offer discounts based on a variety of factors. Some of these include discounts for bundling policies or multiple vehicles, paying your premium upfront, switching to paperless billing, or not making any claims.
Some insurance providers won’t mention which discounts are available to you, so be sure to ask.

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