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.
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:
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.
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.
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
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.
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% |
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
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 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
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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