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.
Average auto insurance rates for a Chevrolet Cobalt are $1,128 annually for full coverage insurance. Comprehensive insurance costs approximately $146 a year, collision costs $208, and liability coverage is $574. A liability-only policy costs around $638 a year, with high-risk insurance costing $2,434 or more. Teen drivers receive the highest rates at $4,690 a year or more.
Average premium for full coverage: $1,128
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Cobalt trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $638 for liability-only coverage to a high of $2,434 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas.
The diagram below illustrates how where you live affects auto insurance prices.
These examples illustrate why it is important to compare rates quotes using their specific location and their own personal driving habits, 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 Charts and Tables
The chart below illustrates estimated Chevrolet Cobalt insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $693
- Raising to $1,000 deductibles will save $1,046 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,128
- Choosing low $100 deductibles costs an additional $154 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,434 or more
- The cost with full coverage for a teenage driver can cost $4,690
Insurance rates for a Chevrolet Cobalt can also vary considerably based on the trim level of your Cobalt, your risk profile, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,300 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 128% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $240 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $516 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Chevrolet Cobalt insurance rates. A middle-age driver might find rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,520 on average in Florida, New York, and Michigan.
| 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% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, so the rates can be significantly different between companies.
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 Buy the Best Cheap Chevrolet Cobalt Insurance
Saving money on auto insurance consists of being a good driver, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at least once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following list is a quick review of the primary concepts that were touched on in the above illustrations.
- It is possible to save around $120 per year simply by quoting early and online
- Drivers with a DUI or reckless driving violation could be forced to pay on average $1,310 more per year than a safer driver
- Increasing deductibles could save up to $225 each year
- Drivers age 16 to 20 are expensive to insure, costing up to $391 per month including comprehensive and collision 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 | $4,690 |
| 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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