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 with full coverage. Comprehensive costs an estimated $146 a year, collision insurance costs $208, and liability coverage is estimated at $574. Buying just liability costs approximately $638 a year, and insurance for high-risk drivers costs around $2,434. Teens pay the highest rates at up to $4,690 a year.

Average premium for full coverage: $1,128

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Cobalt trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations have lower incidents of collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above demonstrate why it is important to get quotes for a targeted area, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below details average Chevrolet Cobalt insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $693
• Choosing higher $1,000 deductibles can save approximately $1,046 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,128
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,282
• Drivers with serious driving violations could pay up to $2,434
• The price that insures a teenage driver can cost as much as $4,690 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you may be forking out $1,300 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy ranges around 41% to 128% more than the average policy. 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 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 plays a big part in determining prices for Chevrolet Cobalt insurance rates. A good driver about age 40 could pay as low as $810 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,520 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $240 a year, while buying higher liability limits will increase premiums. Moving 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

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 the Best Cheap Chevrolet Cobalt Insurance

Getting lower rates on auto insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates at least every other year by requesting rates from direct companies, and also from insurance agencies where you live.

The following items are a quick review of the car insurance concepts raised in the charts and tables above.

• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,310 more annually than a driver with a clean driving record
• You may be able to save approximately $120 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $225 each year
• Consumers who want additional liability coverage will pay approximately $630 every year to raise limits from a low 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.

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