Chevrolet Cobalt Insurance Rates

How much does a Chevy Colbat cost to insure compared to other vehicles? Average Chevrolet Cobalt insurance rates are $1,342 a year or $111 a month. Rates may be slightly different among model years and build, such as 2010 Chevy Cobalt insurance rates versus rates for a 2007 Chevy Cobalt with customized parts.

To start shopping for the best Chevrolet Cobalt insurance rates in your area, enter your ZIP code in our free tool above.

U.S. average insurance rates for a Chevrolet Cobalt are $1,128 a year for full coverage insurance. Comprehensive insurance costs an estimated $146, collision costs $208, and liability costs $574. Buying just liability costs as little as $638 a year, with insurance for high-risk drivers costing $2,434 or more. Teenage drivers pay the highest rates at $4,690 a year or more.

Average premium for full coverage: $1,128

Price estimates broken down by individual coverage:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Cobalt models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how rural and urban location affects insurance prices.

The ranges above illustrate why everyone should compare rates for a targeted area, instead of using average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates estimated Chevrolet Cobalt insurance rates for other coverage scenarios.

• The best discount rate is $693
• Drivers who choose higher $1,000 deductibles will pay approximately $82 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,128
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $154 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,434 or more
• The price that insures a teen driver for full coverage can cost as much as $4,690 a year

View Chart as Image

Insurance prices for a Chevrolet Cobalt are also quite variable based on the model of your Cobalt, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,300 to $1,900 additional each year, depending on your age. Chevrolet Cobalt insurance for high-risk drivers can cost as much as 41% to 128% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

The state you live in makes a big difference in Chevrolet Cobalt insurance prices. A 40-year-old driver could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,520 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $240 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $516 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, and prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2009 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Low Cost Chevrolet Cobalt Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and maximizing policy discounts. Compare prices every couple of years by requesting quotes from direct insurance companies, and also from local insurance agencies.

The list below is a review of the material that was raised in the charts and tables above.

• Policyholders who want higher liability limits will pay an extra $630 annually to go from a low limit to the 250/500 level
• Teenagers are expensive to insure, as much as $391 a month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,310 more annually for car insurance
• Increasing physical damage deductibles can save approximately $225 each year

Using a rate comparison tool will help you find the best Chevy Cobalt insurance rates, regardless of if you are shopping for Cobalt SS insurance rates or trying to find out how much does a 2006 Chevy Cobalt cost to insure.

Wondering how to find rates for a Chevrolet Cobalt near me? Use our free tool below.

What are the safety ratings of the Chevrolet Cobalt?

The Chevrolet Cobalt is not up to date on a number of advanced safety features, such as rearview cameras, and only has basic safety features like anti-lock brakes and child locks. This lack of safety features can have an impact on the Chevrolet Cobalt safety ratings.

The Insurance Institute for Highway Safety (IIHS) has only done limited testing on the 2010 Chevrolet Cobalt Coupe.

• Moderate overlap front: Good
• Side: Acceptable
• Head restraints and seats: Acceptable

An old Chevy Cobalt may have even worse safety ratings, due to fewer safety features and advancements in the vehicle. The video below shows how the IIHS crash-tested the Chevrolet Cobalt.

Chevrolet Cobalt Compared Against Other Vehicles in the Same Class

The Chevrolet Cobalt is a small, two-door car. Generally, small cars don’t have high liability rates unless they are prone to crashing, as they can’t inflict as much damage to other vehicles as larger cars. The list below is of other small, two-door cars, so you can see how the Chevrolet Cobalt’s insurance rates compare.

• Honda Civic Insurance Rates
• Honda CR-Z Insurance Rates
• Kia Forte Insurance Rates

Use our free rate comparison tool to find the best Chevrolet Cobalt insurance rates in your area.

References

1. https://www.iihs.org/ratings/vehicle/Chevrolet/cobalt-2-door-coupe/2010