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.
Estimated insurance rates for a Chevrolet Cobalt are $1,080 a year for full coverage. Comprehensive costs around $132 a year, collision insurance costs $190, and liability costs $558. A liability-only policy costs as little as $624 a year, and high-risk insurance costs around $2,322. Teenage drivers pay the most at up to $4,514 a year.
Average premium for full coverage: $1,080
Premium estimates for type of coverage:
Includes $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and Cobalt trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Chevrolet Cobalt range from the low end price of $624 for a discount liability-only rate to a high of $2,322 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance rates.
These rate differences show why it is important to compare rates for a specific zip code, instead of using average rates.
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.
Rates by State, City, and Model
The chart below shows average Chevrolet Cobalt insurance rates for additional coverage choices and driver risks.
- The best discount rate is $668
- Drivers who choose higher $1,000 deductibles will pay about $1,006 a year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,080
- Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,218
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,322
- An auto insurance policy that insures a teen driver can be $4,514 a year
Auto insurance prices for a Chevrolet Cobalt also have a wide range based on the trim level of your Cobalt, how you drive, and deductibles and policy limits.
If you have a few violations or you caused an accident, you could be paying at least $1,300 to $1,900 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 134% more than a normal policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,500 a year. View Rates by Age
Where you choose to live makes a big difference in Chevrolet Cobalt insurance prices. A 40-year-old driver could pay as low as $710 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,540 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $972 | -$108 | -10.0% |
Alaska | $824 | -$256 | -23.7% |
Arizona | $892 | -$188 | -17.4% |
Arkansas | $1,080 | -$0 | 0.0% |
California | $1,228 | $148 | 13.7% |
Colorado | $1,030 | -$50 | -4.6% |
Connecticut | $1,106 | $26 | 2.4% |
Delaware | $1,220 | $140 | 13.0% |
Florida | $1,346 | $266 | 24.6% |
Georgia | $994 | -$86 | -8.0% |
Hawaii | $774 | -$306 | -28.3% |
Idaho | $730 | -$350 | -32.4% |
Illinois | $802 | -$278 | -25.7% |
Indiana | $812 | -$268 | -24.8% |
Iowa | $730 | -$350 | -32.4% |
Kansas | $1,022 | -$58 | -5.4% |
Kentucky | $1,470 | $390 | 36.1% |
Louisiana | $1,594 | $514 | 47.6% |
Maine | $664 | -$416 | -38.5% |
Maryland | $888 | -$192 | -17.8% |
Massachusetts | $860 | -$220 | -20.4% |
Michigan | $1,870 | $790 | 73.1% |
Minnesota | $902 | -$178 | -16.5% |
Mississippi | $1,290 | $210 | 19.4% |
Missouri | $956 | -$124 | -11.5% |
Montana | $1,160 | $80 | 7.4% |
Nebraska | $848 | -$232 | -21.5% |
Nevada | $1,292 | $212 | 19.6% |
New Hampshire | $774 | -$306 | -28.3% |
New Jersey | $1,204 | $124 | 11.5% |
New Mexico | $954 | -$126 | -11.7% |
New York | $1,132 | $52 | 4.8% |
North Carolina | $620 | -$460 | -42.6% |
North Dakota | $884 | -$196 | -18.1% |
Ohio | $744 | -$336 | -31.1% |
Oklahoma | $1,106 | $26 | 2.4% |
Oregon | $988 | -$92 | -8.5% |
Pennsylvania | $1,028 | -$52 | -4.8% |
Rhode Island | $1,438 | $358 | 33.1% |
South Carolina | $976 | -$104 | -9.6% |
South Dakota | $910 | -$170 | -15.7% |
Tennessee | $942 | -$138 | -12.8% |
Texas | $1,298 | $218 | 20.2% |
Utah | $800 | -$280 | -25.9% |
Vermont | $738 | -$342 | -31.7% |
Virginia | $644 | -$436 | -40.4% |
Washington | $834 | -$246 | -22.8% |
West Virginia | $988 | -$92 | -8.5% |
Wisconsin | $744 | -$336 | -31.1% |
Wyoming | $960 | -$120 | -11.1% |
Using high physical damage deductibles could save up to $220 every year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $502 extra every 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 | $968 | $81 |
Chevrolet Cobalt XFE 4-Dr Sedan | $968 | $81 |
Chevrolet Cobalt LS 2-Dr Coupe | $1,064 | $89 |
Chevrolet Cobalt LT 4-Dr Sedan | $1,000 | $83 |
Chevrolet Cobalt XFE 2-Dr Coupe | $1,064 | $89 |
Chevrolet Cobalt LT 2-Dr Coupe | $1,086 | $91 |
Chevrolet Cobalt SS Turbo 2-Dr Coupe | $1,144 | $95 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2010 Chevrolet Cobalt | $162 | $262 | $592 | $1,216 |
2009 Chevrolet Cobalt | $152 | $238 | $592 | $1,182 |
2008 Chevrolet Cobalt | $148 | $214 | $586 | $1,148 |
2007 Chevrolet Cobalt | $146 | $208 | $574 | $1,128 |
2006 Chevrolet Cobalt | $144 | $198 | $564 | $1,106 |
2005 Chevrolet Cobalt | $132 | $190 | $558 | $1,080 |
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 the Cheapest Chevrolet Cobalt Insurance
Finding better rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare prices every other policy renewal by requesting rates from direct carriers, and also from several local insurance agents.
The following is a recap of the ideas that were presented in the illustrations above.
- Teens are expensive to insure, as much as $376 per month if the policy includes full coverage
- Higher risk drivers that have major violations or accidents pay on average $1,240 more every year for Cobalt insurance
- Increasing policy deductibles can save approximately $200 each year
- Drivers can save up to $120 per year just by quoting early and online
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 | $4,514 |
20 | $2,490 |
30 | $1,084 |
40 | $1,080 |
50 | $990 |
60 | $970 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,218 |
$250 | $1,154 |
$500 | $1,080 |
$1,000 | $1,006 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,080 |
50/100 | $1,256 |
100/300 | $1,395 |
250/500 | $1,758 |
100 CSL | $1,311 |
300 CSL | $1,618 |
500 CSL | $1,842 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,330 |
20 | $3,964 |
30 | $2,332 |
40 | $2,322 |
50 | $2,228 |
60 | $2,202 |
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 | $53 |
Multi-vehicle | $59 |
Homeowner | $20 |
5-yr Accident Free | $62 |
5-yr Claim Free | $66 |
Paid in Full/EFT | $36 |
Advance Quote | $46 |
Online Quote | $70 |
Total Discounts | $412 |
Discounts are estimated and may not be available from every company or in every state.
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