Chevrolet Cobalt Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 27, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 $1,128 a year for full coverage. Comprehensive costs on average $146 a year, collision costs $208, and liability insurance costs $574. A liability-only policy costs as little as $638 a year, with high-risk insurance costing around $2,434. 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:

Comprehensive $146
Collision $208
Liability $574

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Cobalt trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $638 for only liability insurance to a high of $2,434 for a high risk driver.

Liability Only $638
Full Coverage $1,128
High Risk $2,434

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $846
Small Cities $1,184
Large Cities $1,523

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

Insurance Rate Analysis

The chart below shows estimated Chevrolet Cobalt insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $693
  • Drivers who choose higher $1,000 deductibles will pay around $1,046 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,128
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,282
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,434 or more
  • The cost for full coverage for a teen driver may cost $4,690 a year

View Chart as Image

Chevrolet Cobalt insurance cost comparison chart
Column chart showing full coverage Chevrolet Cobalt insurance rates range from $693 to $4,690

for a Chevrolet Cobalt can also vary considerably based on your driver profile, the trim level of your Cobalt, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,600 a year. View Rates by Age

Where you live makes a big difference in Chevrolet Cobalt insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or as much as $1,610 on average in Michigan, Louisiana, and New York.

Chevrolet Cobalt Insurance Rates by State
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%

View Chart as Image

Chevrolet Cobalt insurance rates by U.S. city

Choosing high deductibles could save up to $240 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $516 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,900 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 128% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 XFE 4-Dr Sedan $1,014 $85
Chevrolet Cobalt LS 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 2005 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 $180 $316 $592 $1,288
2009 Chevrolet Cobalt $174 $286 $596 $1,256
2008 Chevrolet Cobalt $162 $262 $592 $1,216
2007 Chevrolet Cobalt $152 $238 $592 $1,182
2006 Chevrolet Cobalt $148 $214 $586 $1,148
2005 Chevrolet Cobalt $146 $208 $574 $1,128

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 Cheaper Chevrolet Cobalt Insurance

Saving money on Chevrolet Cobalt insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $225 each year
  • Drivers can save as much as $120 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $630 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $391 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,310 more each year for 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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 $4,690
20 $2,600
30 $1,136
40 $1,128
50 $1,036
60 $1,014

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Cobalt Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,282
$250 $1,212
$500 $1,128
$1,000 $1,046

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cobalt Insurance Rates with Different Liability Limits
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

Chevrolet Cobalt Insurance 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.

SR-22 Surcharge $151

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
Rate after discounts $693

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles