Chevrolet Cobalt Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

Average insurance rates for a Chevrolet Cobalt are $1,182 a year with full coverage. Comprehensive insurance costs on average $152 a year, collision costs $238, and liability insurance is estimated at $592. Buying just liability costs approximately $652 a year, with insurance for high-risk drivers costing $2,556 or more. Teenage drivers receive the highest rates at $4,892 a year or more.

Average premium for full coverage: $1,182

Rate estimates by individual coverage type:

Comprehensive $152
Collision $238
Liability $592

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Cobalt trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as low as $652 for the bare minimum liability coverage to a high of $2,556 for high-risk insurance.

Liability Only $652
Full Coverage $1,182
High Risk $2,556

Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates the difference location can make on car insurance rates.

Rural Areas $887
Small Cities $1,241
Large Cities $1,596

These examples demonstrate why it is important to get quotes based on a specific location and risk profile, rather than relying on 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.

Additional Rate Information

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

  • The best discount rate is $718
  • Choosing higher $1,000 deductibles can save around $1,094 annually
  • The average rate for a 40-year-old driver with $500 deductibles is $1,182
  • Using low $100 deductibles for comp and collision coverage will cost an extra $172 a year
  • High-risk insureds who are prone to accidents and violations could pay upwards of $2,556 or more
  • The cost for full coverage for a teen driver may cost $4,892 each year

View Chart as Image

Chevrolet Cobalt insurance cost comparison chart
Column chart showing full coverage Chevrolet Cobalt insurance prices range from $718 to $4,892

Auto insurance rates for a Chevrolet Cobalt can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Chevrolet Cobalt insurance rates. A good driver about age 40 could pay as low as $850 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,590 on average in Florida, Michigan, and New York.

Chevrolet Cobalt Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,066 -$116 -9.8%
Alaska $906 -$276 -23.4%
Arizona $978 -$204 -17.3%
Arkansas $1,182 -$0 0.0%
California $1,344 $162 13.7%
Colorado $1,126 -$56 -4.7%
Connecticut $1,212 $30 2.5%
Delaware $1,334 $152 12.9%
Florida $1,474 $292 24.7%
Georgia $1,090 -$92 -7.8%
Hawaii $846 -$336 -28.4%
Idaho $800 -$382 -32.3%
Illinois $878 -$304 -25.7%
Indiana $892 -$290 -24.5%
Iowa $800 -$382 -32.3%
Kansas $1,122 -$60 -5.1%
Kentucky $1,608 $426 36.0%
Louisiana $1,748 $566 47.9%
Maine $728 -$454 -38.4%
Maryland $974 -$208 -17.6%
Massachusetts $942 -$240 -20.3%
Michigan $2,050 $868 73.4%
Minnesota $988 -$194 -16.4%
Mississippi $1,412 $230 19.5%
Missouri $1,046 -$136 -11.5%
Montana $1,270 $88 7.4%
Nebraska $930 -$252 -21.3%
Nevada $1,416 $234 19.8%
New Hampshire $850 -$332 -28.1%
New Jersey $1,318 $136 11.5%
New Mexico $1,046 -$136 -11.5%
New York $1,240 $58 4.9%
North Carolina $678 -$504 -42.6%
North Dakota $968 -$214 -18.1%
Ohio $816 -$366 -31.0%
Oklahoma $1,210 $28 2.4%
Oregon $1,082 -$100 -8.5%
Pennsylvania $1,126 -$56 -4.7%
Rhode Island $1,574 $392 33.2%
South Carolina $1,070 -$112 -9.5%
South Dakota $994 -$188 -15.9%
Tennessee $1,034 -$148 -12.5%
Texas $1,422 $240 20.3%
Utah $876 -$306 -25.9%
Vermont $806 -$376 -31.8%
Virginia $706 -$476 -40.3%
Washington $912 -$270 -22.8%
West Virginia $1,082 -$100 -8.5%
Wisconsin $818 -$364 -30.8%
Wyoming $1,052 -$130 -11.0%

View Chart as Image

Chevrolet Cobalt insurance rates by U.S. city

Using high physical damage deductibles can save as much as $260 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $533 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 132% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates 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 LS 4-Dr Sedan $1,060 $88
Chevrolet Cobalt XFE 4-Dr Sedan $1,060 $88
Chevrolet Cobalt LS 2-Dr Coupe $1,164 $97
Chevrolet Cobalt LT 4-Dr Sedan $1,098 $92
Chevrolet Cobalt XFE 2-Dr Coupe $1,164 $97
Chevrolet Cobalt LT 2-Dr Coupe $1,190 $99
Chevrolet Cobalt SS Turbo 2-Dr Coupe $1,262 $105

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 $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 More Affordable Chevrolet Cobalt Insurance

Saving money on Chevrolet Cobalt insurance takes being a low-risk driver, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Make time to compare rates every couple of years by quoting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

The items below are a summary of the material that was touched on in this article.

  • Drivers who require more liability coverage will pay an extra $650 every year to raise limits from a minimum limit to 250/500 limits
  • Teen drivers are charged the highest rates, with premiums as much as $408 per month if they have full coverage
  • High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,370 more each year to insure their Cobalt
  • Increasing deductibles can save around $250 each year

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 $4,892
20 $2,732
30 $1,192
40 $1,182
50 $1,086
60 $1,064

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Cobalt Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,354
$250 $1,274
$500 $1,182
$1,000 $1,094

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cobalt Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,182
50/100 $1,380
100/300 $1,528
250/500 $1,913
100 CSL $1,440
300 CSL $1,765
500 CSL $2,002

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Cobalt Insurance Rates for High Risk Drivers
Age Premium
16 $6,878
20 $4,356
30 $2,570
40 $2,556
50 $2,450
60 $2,422

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 $161

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $66
Homeowner $22
5-yr Accident Free $71
5-yr Claim Free $74
Paid in Full/EFT $41
Advance Quote $52
Online Quote $79
Total Discounts $464
Rate after discounts $718

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

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