Chevrolet Cobalt Insurance Rates

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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 auto insurance rates for a Chevrolet Cobalt are $1,148 annually for full coverage insurance. Comprehensive insurance costs approximately $148, collision costs $214, and liability costs around $586. Liability-only coverage costs as low as $646 a year, with high-risk coverage costing $2,474 or more. Teen drivers pay the highest rates at $4,766 a year or more.

Average premium for full coverage: $1,148

Price estimates by individual coverage:

Comprehensive $148
Collision $214
Liability $586

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Cobalt models.

Price Range from Low to High

For an average driver, Chevrolet Cobalt insurance prices go from as cheap as $646 for just liability coverage to the much higher price of $2,474 for a driver that may need high-risk insurance.

Liability Only $646
Full Coverage $1,148
High Risk $2,474

Geographic Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas.

The example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $861
Small Cities $1,205
Large Cities $1,550

The ranges above illustrate why everyone should compare prices using their specific location and their own personal driving habits, instead of 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.

Detailed Rate Analysis

The chart below illustrates estimated Chevrolet Cobalt insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $705
  • Using higher $1,000 deductibles will save $84 each year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,148
  • Choosing pricier low deductibles for physical damage coverage costs an additional $156 every year
  • Drivers with multiple violations and an at-fault accident could pay around $2,474 or more
  • The price with full coverage for a teen driver for full coverage can cost $4,766 or more

View Chart as Image

Chevrolet Cobalt insurance cost comparison chart
Column chart showing full coverage Chevrolet Cobalt insurance prices range from $705 to $4,766

Auto insurance prices for a Chevrolet Cobalt are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. Chevrolet Cobalt insurance for high-risk drivers can be as much as 42% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $240 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $528 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Chevrolet Cobalt insurance prices. A driver around age 40 might see prices as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,550 on average in Florida, New York, and Michigan.

Chevrolet Cobalt Insurance Rates by State
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%

View Chart as Image

Chevrolet Cobalt insurance rates by U.S. city

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and quoted prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Chevrolet Cobalt Insurance Rates by Model and Trim Level
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.

Chevrolet Cobalt Insurance Rates by Model Year
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 Buy Cheaper Chevrolet Cobalt Insurance

Getting lower rates on car insurance requires having a good driving record, having above-average credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a condensed summary of the data that was covered in the above illustrations.

  • It is possible to save around $130 per year simply by quoting online well ahead of the renewal date
  • Policyholders who purchase increased levels of liability coverage will pay about $650 annually to increase from a low limit to higher 250/500 limits
  • Drivers age 20 and younger have the highest car insurance prices, as much as $397 a month if full coverage is included
  • Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,330 more per year to buy Chevrolet 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

  1. https://www.iihs.org/ratings/vehicle/Chevrolet/cobalt-2-door-coupe/2010

Rates by Driver Age

Chevrolet Cobalt Insurance 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

Chevrolet Cobalt Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,304
$250 $1,232
$500 $1,148
$1,000 $1,064

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cobalt Insurance Rates with Different Liability Limits
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

Chevrolet Cobalt Insurance 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.

SR-22 Surcharge $155

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
Rate after discounts $705

Discounts are estimated and may not be available from every company or in every state.

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