How much is insurance on a Chevrolet Malibu?
A 2024 Chevrolet Malibu runs about $2,250 a year for a typical 45-year-old, $310 more than an average car of the same age, because of more injury claims, more damage to others' property, and higher crash-repair losses. Putting a new 16-year-old on a family policy with the Malibu adds about $1,480 a year (#7 of 9 midsize four-door cars we compare).
2024 Chevrolet Malibu (Malibu), national average
about $2,250 a year (about $190 a month)
Estimated range: $1,650–$3,250. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Malibu drops to about $1,630 (see the table below).
Priced for the 2024 Malibu, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Malibu's rank is the same in every state.
Why the Chevrolet Malibu costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Chevrolet Malibu, on HLDI's scale where 100 is an average car and lower is better, it reports 124 for crash repairs, 98 for non-crash damage, 149 for damage to others' property, and 219 for injury claims.
- Crash repairs (collision)fixing this car after a crashWorse than average24% worse than average5th best of the 9 midsize four-door cars we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage2% better than average5th best of the 9 midsize four-door cars we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultWorse than average49% worse than averageworst of the 9 midsize four-door cars we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costSubstantially worse than averagefiled 119% more often than averageworst of the 8 midsize four-door cars we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Malibu comes out about 16% worse than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 6% more than average: about $1,010 a year vs $950. On the liability side, damage to others and injury claims combine to about 89% worse than average. Counting about half would go past the band insurers' own car ratings stay inside, so we hold that part at 25% more than average: $1,240 a year vs $990.
In EPA size classes, the Malibu is a midsize car (gas-powered). In Highway Loss Data Institute loss tables, the Chevrolet Malibu is benchmarked against midsize four-door cars.
- This car's repair losses run a bit above the cars we could check against real prices, so the range reaches higher.
Matched to HLDI series “Chevrolet Malibu” (HLDI, 2022–24 models).
A used Chevrolet Malibu, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 Malibu (0–3 years old) | about $2,250 | about $1,240 | +$1,480 | about $6,450 |
 2022 Malibu (4–7 years old) | about $2,130 | about $1,240 | +$1,400 | about $6,100 |
 2018 Malibu (8–12 years old) | about $2,000 | about $1,240 | +$1,320 | about $5,750 |
 2013 Malibu (13 or more years old) | about $1,630 | about $1,050 | +$1,080 | about $4,690 |
Our catalog covers the Chevrolet Malibu across model years 2006–2025. Full coverage on a used 2013 Malibu (13 or more years old) runs about $1,630 a year, $610 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,050 a year. Each photo shows that year's generation of the car. Photo credits.
For the 2024 Chevrolet Malibu, our catalog lists the Malibu configuration at about $2,250 a year.
On a policy of their own with a 2024 Chevrolet Malibu, a 22–25-year-old pays about $2,920 a year ($670 more than a 45-year-old), a 26–39-year-old about $2,500, and a driver 65 and older about $2,360.
Adding a 16-year-old with a Chevrolet Malibu
A new driver costs more with any car, and more than usual with the Chevrolet Malibu: adding a 16-year-old raises the family bill by about $1,480 a year ($125 a month), $200 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,450 a year ($4,970 more than adding them to the family policy).
For adding a teen driver, the Chevrolet Malibu ranks 19th most expensive out of all 121 models we track. Stepping down to a used 2013 Malibu (13 or more years old) brings the teen add-on to about $1,080 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar midsize four-door cars
Among these 9 midsize four-door cars, the Chevrolet Malibu is the 3rd most expensive to insure. Right next to it are the Hyundai Sonata (about $2,160 a year) and the Kia K5 (about $2,270).
2024 Volkswagen Jettaabout $2,070 ($180 less)
2024 Honda Accordabout $2,070 ($180 less)
2024 Toyota Camryabout $2,090 ($160 less)
2024 Hyundai Sonataabout $2,160 ($90 less)- 2024 Chevrolet Malibuabout $2,250 (this car)
2024 Kia K5about $2,270 (about the same)
2024 Nissan Altimaabout $2,290 (about the same)
Photos from Wikimedia Commons contributors. Photo credits.
What a Chevrolet Malibu costs in your state
In six sample states, a 2024 Chevrolet Malibu runs from about $1,530 a year in Idaho through Iowa, Nebraska, Oregon and Massachusetts to about $2,960 in New York:
- Idahoabout $1,530/yr · +$1,010 teen
- Iowaabout $1,580/yr · +$1,040 teen
- Nebraskaabout $1,850/yr · +$1,220 teen
- Oregonabout $1,980/yr · +$1,310 teen
- Massachusettsabout $2,210/yr · +$1,460 teen
- New Yorkabout $2,960/yr · +$1,950 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.