Chevrolet Cobalt Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 5, 2023
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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 prices for a Chevrolet Cobalt are $1,128 every 12 months including full coverage. Comprehensive insurance costs on average $146 each year, collision costs $208, and liability coverage costs around $574. Liability-only insurance costs as low as $638 a year, with high-risk driver insurance costing $2,434 or more. Teen drivers pay the highest rates at $4,690 a year or more.
Average premium for full coverage: $1,128
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Cobalt models.
Price Range from Low to High
For a driver in their 40's, Chevrolet Cobalt insurance prices go from the cheapest price of $638 for the bare minimum liability coverage to a high rate of $2,434 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a large influence on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than larger metro areas.
The graphic below illustrates how location helps determine car insurance rates.
The ranges above highlight why all drivers should compare prices based on a specific location and their own driving history, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below breaks down estimated Chevrolet Cobalt insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $693
- Using higher $1,000 deductibles will save around $82 every year
- The average price for the average middle-age driver with $500 deductibles is $1,128
- Choosing low deductibles for physical damage coverage costs an extra $154 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,434 or more
- The price to insure a teenage driver may cost $4,690 or more
Car insurance prices for a Chevrolet Cobalt are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Cobalt.
Choosing high deductibles could cut prices by as much as $240 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $516 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be around 41% to 128% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Chevrolet Cobalt insurance rates. A driver around age 40 might see prices as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,610 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,020 | -$108 | -9.6% |
| Alaska | $864 | -$264 | -23.4% |
| Arizona | $934 | -$194 | -17.2% |
| Arkansas | $1,128 | -$0 | 0.0% |
| California | $1,286 | $158 | 14.0% |
| Colorado | $1,076 | -$52 | -4.6% |
| Connecticut | $1,158 | $30 | 2.7% |
| Delaware | $1,276 | $148 | 13.1% |
| Florida | $1,408 | $280 | 24.8% |
| Georgia | $1,040 | -$88 | -7.8% |
| Hawaii | $808 | -$320 | -28.4% |
| Idaho | $766 | -$362 | -32.1% |
| Illinois | $840 | -$288 | -25.5% |
| Indiana | $852 | -$276 | -24.5% |
| Iowa | $762 | -$366 | -32.4% |
| Kansas | $1,070 | -$58 | -5.1% |
| Kentucky | $1,536 | $408 | 36.2% |
| Louisiana | $1,670 | $542 | 48.0% |
| Maine | $696 | -$432 | -38.3% |
| Maryland | $930 | -$198 | -17.6% |
| Massachusetts | $900 | -$228 | -20.2% |
| Michigan | $1,956 | $828 | 73.4% |
| Minnesota | $944 | -$184 | -16.3% |
| Mississippi | $1,350 | $222 | 19.7% |
| Missouri | $1,000 | -$128 | -11.3% |
| Montana | $1,212 | $84 | 7.4% |
| Nebraska | $886 | -$242 | -21.5% |
| Nevada | $1,352 | $224 | 19.9% |
| New Hampshire | $810 | -$318 | -28.2% |
| New Jersey | $1,258 | $130 | 11.5% |
| New Mexico | $998 | -$130 | -11.5% |
| New York | $1,188 | $60 | 5.3% |
| North Carolina | $648 | -$480 | -42.6% |
| North Dakota | $924 | -$204 | -18.1% |
| Ohio | $778 | -$350 | -31.0% |
| Oklahoma | $1,158 | $30 | 2.7% |
| Oregon | $1,032 | -$96 | -8.5% |
| Pennsylvania | $1,074 | -$54 | -4.8% |
| Rhode Island | $1,504 | $376 | 33.3% |
| South Carolina | $1,020 | -$108 | -9.6% |
| South Dakota | $952 | -$176 | -15.6% |
| Tennessee | $988 | -$140 | -12.4% |
| Texas | $1,358 | $230 | 20.4% |
| Utah | $836 | -$292 | -25.9% |
| Vermont | $770 | -$358 | -31.7% |
| Virginia | $674 | -$454 | -40.2% |
| Washington | $870 | -$258 | -22.9% |
| West Virginia | $1,036 | -$92 | -8.2% |
| Wisconsin | $780 | -$348 | -30.9% |
| Wyoming | $1,006 | -$122 | -10.8% |
Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Cobalt LS 4-Dr Sedan | $1,014 | $85 |
| Chevrolet Cobalt XFE 4-Dr Sedan | $1,014 | $85 |
| Chevrolet Cobalt LS 2-Dr Coupe | $1,112 | $93 |
| Chevrolet Cobalt LT 4-Dr Sedan | $1,048 | $87 |
| Chevrolet Cobalt XFE 2-Dr Coupe | $1,112 | $93 |
| Chevrolet Cobalt LT 2-Dr Coupe | $1,134 | $95 |
| Chevrolet Cobalt SS Turbo 2-Dr Coupe | $1,202 | $100 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Chevrolet Cobalt | $148 | $214 | $586 | $1,148 |
| 2009 Chevrolet Cobalt | $146 | $208 | $574 | $1,128 |
| 2008 Chevrolet Cobalt | $144 | $198 | $564 | $1,106 |
| 2007 Chevrolet Cobalt | $132 | $190 | $558 | $1,080 |
| 2006 Chevrolet Cobalt | $126 | $180 | $554 | $1,060 |
Rates are averaged for all Chevrolet Cobalt models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Chevrolet Cobalt Insurance
Getting lower rates on auto insurance requires avoiding accidents and violations, maintaining a good credit score, being claim-free, and maximizing policy discounts. Invest time comparing rates at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a summary of the concepts that were covered in the charts and tables above.
- Drivers who have multiple accidents or major violations may pay on average $1,310 more each year for car insurance
- Teenagers are expensive to insure, possibly costing $391 a month if the policy includes full coverage
- You may be able to save as much as $120 per year simply by quoting online in advance
- Increasing physical damage deductibles could save as much as $225 each year
- You may be able to save as much as $120 per year simply by quoting online in advance
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.
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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.
Use our free rate comparison tool to find the best Chevrolet Cobalt insurance rates in your area.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,690 |
| 20 | $2,600 |
| 30 | $1,136 |
| 40 | $1,128 |
| 50 | $1,036 |
| 60 | $1,014 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,282 |
| $250 | $1,212 |
| $500 | $1,128 |
| $1,000 | $1,046 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,128 |
| 50/100 | $1,317 |
| 100/300 | $1,460 |
| 250/500 | $1,833 |
| 100 CSL | $1,374 |
| 300 CSL | $1,690 |
| 500 CSL | $1,920 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,586 |
| 20 | $4,146 |
| 30 | $2,446 |
| 40 | $2,434 |
| 50 | $2,332 |
| 60 | $2,306 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $56 |
| Multi-vehicle | $62 |
| Homeowner | $21 |
| 5-yr Accident Free | $66 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $38 |
| Advance Quote | $48 |
| Online Quote | $74 |
| Total Discounts | $435 |
Discounts are estimated and may not be available from every company or in every state.
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