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 insurance rates for a Chevrolet Cobalt are $1,148 a year for full coverage insurance. Comprehensive insurance costs approximately $148 each year, collision insurance costs $214, and liability is $586. A liability-only policy costs around $646 a year, and high-risk insurance costs $2,474 or more. Teens receive the highest rates at up to $4,766 a year.
Average premium for full coverage: $1,148
Rate estimates by individual coverage type:
These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Cobalt models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $646 for liability-only coverage to a high rate of $2,474 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance prices.
These examples illustrate why all drivers should compare rates quotes using their specific location, instead of making a decision based on averaged prices.
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 average Chevrolet Cobalt insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $705
- Raising to $1,000 deductibles will save $84 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,148
- Selecting low deductibles will cost an additional $156 annually
- Drivers with serious driving violations could pay around $2,474
- The cost that insures a 16-year-old driver can cost $4,766
Insurance rates for a Chevrolet Cobalt can also vary considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 136% more than the average policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age
Where you live also has a big influence on Chevrolet Cobalt insurance prices. A middle-age driver might find rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,550 on average in Florida, New York, 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 higher comprehensive and collision insurance deductibles can reduce rates by up to $240 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $528 more per 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 Cheap Chevrolet Cobalt Insurance
Saving money on insurance for a Chevrolet Cobalt consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
Below is a brief summary of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,330 more per year for auto insurance
- It is possible to save around $130 per year just by quoting online in advance
- Increasing deductibles can save approximately $250 each year
- Insureds who purchase higher levels of liability will pay approximately $650 annually to raise from a minimum limit to the 250/500 level
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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