Chevrolet Cobalt LT 2-Dr Coupe Insurance Rates

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U.S. average insurance rates for a Chevrolet Cobalt LT 2-Dr Coupe are $1,614 a year for full coverage. Comprehensive costs on average $326, collision insurance costs $634, and liability insurance costs $454. Buying just liability costs as little as $538 a year, and insurance for high-risk drivers costs around $3,494. Teen drivers pay the highest rates at up to $6,056 a year.

Annual premium for full coverage: $1,614

Price estimates by type of insurance:

Comprehensive $326
Collision $634
Liability $454

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

Price Range for Insurance for this Chevrolet Cobalt Trim Level

For an average driver, Chevrolet Cobalt LT 2-Dr Coupe insurance prices range from as low as $538 for just liability coverage to a much higher rate of $3,494 for a driver required to buy high-risk insurance.

Liability Only $538
Full Coverage $1,614
High Risk $3,494

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,211
Small Cities $1,695
Large Cities $2,179

These price ranges show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Insurance prices for a Chevrolet Cobalt LT 2-Dr Coupe are also quite variable based on your driving record, the model year of your Cobalt, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $6,000 a year. View Rates by Age

The state you live in makes a big difference in Chevrolet Cobalt LT 2-Dr Coupe insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $650 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase rates by as much as $408 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,900 to $2,600 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

Since rates can be so different, the only way to know exactly what you will pay is to compare rates from as many companies as possible. Every company uses a different rate calculation, and rates may be quite different from one company to the next.

View Chart as Image

Chevrolet Cobalt LT 2-Dr Coupe insurance cost comparison chart
Column chart showing Chevrolet Cobalt LT 2-Dr Coupe insurance prices range from $933 to $6,056 for full coverage

Chart shows Chevrolet Cobalt LT 2-Dr Coupe insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $933. Drivers who choose higher $1,000 deductibles will pay around $1,398. The average rate for a 40-year-old male driver using $500 deductibles is $1,614. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $2,042. High risk drivers could be charged at least $3,494. The price for full coverage insurance for a teen driver is $6,056.

Chevrolet Cobalt LT 2-Dr Coupe Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,460 -$154 -9.5%
Alaska $1,236 -$378 -23.4%
Arizona $1,338 -$276 -17.1%
Arkansas $1,614 -$0 0.0%
California $1,840 $226 14.0%
Colorado $1,542 -$72 -4.5%
Connecticut $1,658 $44 2.7%
Delaware $1,828 $214 13.3%
Florida $2,018 $404 25.0%
Georgia $1,490 -$124 -7.7%
Hawaii $1,158 -$456 -28.3%
Idaho $1,096 -$518 -32.1%
Illinois $1,204 -$410 -25.4%
Indiana $1,216 -$398 -24.7%
Iowa $1,090 -$524 -32.5%
Kansas $1,532 -$82 -5.1%
Kentucky $2,202 $588 36.4%
Louisiana $2,390 $776 48.1%
Maine $998 -$616 -38.2%
Maryland $1,332 -$282 -17.5%
Massachusetts $1,290 -$324 -20.1%
Michigan $2,804 $1,190 73.7%
Minnesota $1,352 -$262 -16.2%
Mississippi $1,934 $320 19.8%
Missouri $1,434 -$180 -11.2%
Montana $1,734 $120 7.4%
Nebraska $1,272 -$342 -21.2%
Nevada $1,936 $322 20.0%
New Hampshire $1,164 -$450 -27.9%
New Jersey $1,804 $190 11.8%
New Mexico $1,430 -$184 -11.4%
New York $1,698 $84 5.2%
North Carolina $930 -$684 -42.4%
North Dakota $1,324 -$290 -18.0%
Ohio $1,116 -$498 -30.9%
Oklahoma $1,658 $44 2.7%
Oregon $1,480 -$134 -8.3%
Pennsylvania $1,542 -$72 -4.5%
Rhode Island $2,154 $540 33.5%
South Carolina $1,462 -$152 -9.4%
South Dakota $1,364 -$250 -15.5%
Tennessee $1,414 -$200 -12.4%
Texas $1,946 $332 20.6%
Utah $1,196 -$418 -25.9%
Vermont $1,104 -$510 -31.6%
Virginia $966 -$648 -40.1%
Washington $1,246 -$368 -22.8%
West Virginia $1,480 -$134 -8.3%
Wisconsin $1,118 -$496 -30.7%
Wyoming $1,438 -$176 -10.9%

View Chart as Image

Chevrolet Cobalt LT 2-Dr Coupe insurance rates by U.S. city

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Rates by Driver Age

Chevrolet Cobalt LT 2-Dr Coupe Insurance Rates by Driver Age
Driver Age Premium
16 $6,056
20 $3,748
30 $1,682
40 $1,614
50 $1,474
60 $1,446

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Cobalt LT 2-Dr Coupe Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,042
$250 $1,844
$500 $1,614
$1,000 $1,398

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cobalt LT 2-Dr Coupe Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,614
50/100 $1,705
100/300 $1,818
250/500 $2,113
100 CSL $1,750
300 CSL $2,000
500 CSL $2,182

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Cobalt LT 2-Dr Coupe Insurance Rates for High Risk Drivers
Age Premium
16 $8,634
20 $5,954
30 $3,572
40 $3,494
50 $3,338
60 $3,304

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $225

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $85
Multi-vehicle $84
Homeowner $23
5-yr Accident Free $119
5-yr Claim Free $103
Paid in Full/EFT $74
Advance Quote $80
Online Quote $113
Total Discounts $681
Rate after discounts $933

Discounts are estimated and may not be available from every company or in every state.

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