Chevrolet Cobalt LS 4-Dr Sedan Insurance Rates

Average insurance prices for a Chevrolet Cobalt LS 4-Dr Sedan are $1,432 every 12 months for full coverage insurance. Comprehensive insurance costs on average $270 a year, collision costs $572, and liability costs around $410. Just liability insurance costs as low as $486 a year, with coverage for high-risk drivers costing $3,114 or more. Teenage drivers receive the highest rates at $5,430 a year or more.

Annual premium for full coverage: $1,432

Rate estimates by individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Chevrolet Cobalt Trim Level

These differences illustrate why it is important for drivers to compare prices based on a specific location and their own driving history, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Insurance prices for a Chevrolet Cobalt LS 4-Dr Sedan can also vary considerably based on policy deductibles and limits, your risk profile, and the model year of your Cobalt.

Using high physical damage deductibles could cut rates by as much as $570 annually, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $369 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy can be from 44% to 132% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Chevrolet Cobalt LS 4-Dr Sedan insurance prices. A driver around age 40 might see rates as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and rates can be significantly different.

View Chart as Image

The chart estimates Chevrolet Cobalt LS 4-Dr Sedan insurance rates for different coverage choices and risks. The cheapest discount rate is $823. Drivers who use higher $1,000 deductibles will pay $1,242. The average rate for a 40-year-old male driver using $500 deductibles is $1,432. Choosing low $100 deductibles for physical damage coverage could cost up to $1,808. Drivers with multiple violations and accidents could be charged as much as $3,114. The cost for full coverage for a teen driver can be as high as $5,430.

View Chart as Image