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.
The average insurance rates for a Chevrolet Cobalt are $1,148 a year for full coverage. Comprehensive insurance costs an estimated $148 a year, collision insurance costs $214, and liability coverage is estimated at $586. Liability-only coverage costs approximately $646 a year, and high-risk coverage costs $2,474 or more. Teen drivers cost the most to insure at up to $4,766 a year.
Average premium for full coverage: $1,148
Policy rates broken down by type of insurance:
Price estimates include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Cobalt trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Chevrolet Cobalt insurance rates range from the low end price of $646 for a discount liability-only rate to a high of $2,474 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how rural and urban location affects insurance prices.
The examples above show why it is important to get quotes for a targeted area, 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.
Rates by State, City, and Model
The chart below shows average Chevrolet Cobalt insurance rates for other coverage scenarios.
- The lowest rate with discounts is $705
- Choosing higher $1,000 deductibles can save approximately $1,064 a year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,148
- Choosing low $100 deductibles for comp and collision coverage will cost an additional $156 each year
- Drivers with multiple violations and an at-fault accident could pay up to $2,474
- Policy cost that insures a teenage driver can cost as much as $4,766 each year
Insurance rates for a Chevrolet Cobalt also range considerably based on the trim level of your Cobalt, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy ranges around 42% to 136% more than average. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age
Your home state plays a big part in determining prices for Chevrolet Cobalt insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or as much as $1,640 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,036 | -$112 | -9.8% |
| Alaska | $880 | -$268 | -23.3% |
| Arizona | $948 | -$200 | -17.4% |
| Arkansas | $1,148 | -$0 | 0.0% |
| California | $1,306 | $158 | 13.8% |
| Colorado | $1,096 | -$52 | -4.5% |
| Connecticut | $1,178 | $30 | 2.6% |
| Delaware | $1,298 | $150 | 13.1% |
| Florida | $1,430 | $282 | 24.6% |
| Georgia | $1,056 | -$92 | -8.0% |
| Hawaii | $822 | -$326 | -28.4% |
| Idaho | $776 | -$372 | -32.4% |
| Illinois | $852 | -$296 | -25.8% |
| Indiana | $864 | -$284 | -24.7% |
| Iowa | $776 | -$372 | -32.4% |
| Kansas | $1,086 | -$62 | -5.4% |
| Kentucky | $1,562 | $414 | 36.1% |
| Louisiana | $1,698 | $550 | 47.9% |
| Maine | $710 | -$438 | -38.2% |
| Maryland | $946 | -$202 | -17.6% |
| Massachusetts | $914 | -$234 | -20.4% |
| Michigan | $1,990 | $842 | 73.3% |
| Minnesota | $958 | -$190 | -16.6% |
| Mississippi | $1,374 | $226 | 19.7% |
| Missouri | $1,018 | -$130 | -11.3% |
| Montana | $1,234 | $86 | 7.5% |
| Nebraska | $902 | -$246 | -21.4% |
| Nevada | $1,374 | $226 | 19.7% |
| New Hampshire | $824 | -$324 | -28.2% |
| New Jersey | $1,280 | $132 | 11.5% |
| New Mexico | $1,014 | -$134 | -11.7% |
| New York | $1,204 | $56 | 4.9% |
| North Carolina | $660 | -$488 | -42.5% |
| North Dakota | $940 | -$208 | -18.1% |
| Ohio | $792 | -$356 | -31.0% |
| Oklahoma | $1,176 | $28 | 2.4% |
| Oregon | $1,050 | -$98 | -8.5% |
| Pennsylvania | $1,094 | -$54 | -4.7% |
| Rhode Island | $1,530 | $382 | 33.3% |
| South Carolina | $1,038 | -$110 | -9.6% |
| South Dakota | $966 | -$182 | -15.9% |
| Tennessee | $1,002 | -$146 | -12.7% |
| Texas | $1,380 | $232 | 20.2% |
| Utah | $850 | -$298 | -26.0% |
| Vermont | $784 | -$364 | -31.7% |
| Virginia | $686 | -$462 | -40.2% |
| Washington | $884 | -$264 | -23.0% |
| West Virginia | $1,052 | -$96 | -8.4% |
| Wisconsin | $794 | -$354 | -30.8% |
| Wyoming | $1,022 | -$126 | -11.0% |

Choosing high deductibles can save as much as $240 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $528 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Cobalt LS 4-Dr Sedan | $1,030 | $86 |
| Chevrolet Cobalt XFE 4-Dr Sedan | $1,030 | $86 |
| Chevrolet Cobalt LS 2-Dr Coupe | $1,130 | $94 |
| Chevrolet Cobalt LT 4-Dr Sedan | $1,066 | $89 |
| Chevrolet Cobalt XFE 2-Dr Coupe | $1,130 | $94 |
| Chevrolet Cobalt LT 2-Dr Coupe | $1,154 | $96 |
| Chevrolet Cobalt SS Turbo 2-Dr Coupe | $1,222 | $102 |
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 | $152 | $238 | $592 | $1,182 |
| 2009 Chevrolet Cobalt | $148 | $214 | $586 | $1,148 |
| 2008 Chevrolet Cobalt | $146 | $208 | $574 | $1,128 |
| 2007 Chevrolet Cobalt | $144 | $198 | $564 | $1,106 |
| 2006 Chevrolet Cobalt | $132 | $190 | $558 | $1,080 |
| 2005 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 Find Cheaper Chevrolet Cobalt Insurance
Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around once a year by requesting rates from direct carriers, and also from your local independent and exclusive agents.
The following is a condensed summary of the data that was raised in the charts and tables above.
- Drivers can save approximately $130 per year just by quoting early and online
- Consumers who want higher liability limits will pay about $650 each year to raise limits from a 30/60 limit to the 250/500 level
- Teens are expensive to insure, costing up to $397 each month if comprehensive and collision insurance is included
- Drivers with multiple at-fault accidents may pay on average $1,330 more annually for Cobalt insurance
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 | $4,766 |
| 20 | $2,642 |
| 30 | $1,154 |
| 40 | $1,148 |
| 50 | $1,054 |
| 60 | $1,032 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,304 |
| $250 | $1,232 |
| $500 | $1,148 |
| $1,000 | $1,064 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,148 |
| 50/100 | $1,339 |
| 100/300 | $1,486 |
| 250/500 | $1,867 |
| 100 CSL | $1,398 |
| 300 CSL | $1,720 |
| 500 CSL | $1,955 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,692 |
| 20 | $4,214 |
| 30 | $2,486 |
| 40 | $2,474 |
| 50 | $2,372 |
| 60 | $2,346 |
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 | $57 |
| Multi-vehicle | $63 |
| Homeowner | $21 |
| 5-yr Accident Free | $67 |
| 5-yr Claim Free | $71 |
| Paid in Full/EFT | $39 |
| Advance Quote | $49 |
| Online Quote | $76 |
| Total Discounts | $443 |
Discounts are estimated and may not be available from every company or in every state.
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