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.

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:

Comprehensive $132
Collision $190
Liability $558

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.

Liability Only $624
Full Coverage $1,080
High Risk $2,322

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.

Rural Areas $810
Small Cities $1,134
Large Cities $1,458

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

View Chart as Image

Chevrolet Cobalt insurance cost comparison chart
Column chart showing Chevrolet Cobalt insurance rates range from $668 to $4,514 for full coverage

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.

Chevrolet Cobalt Insurance Rates by State
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%

View Chart as Image

Chevrolet Cobalt insurance rates by U.S. city

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

Chevrolet Cobalt Insurance Rates by Model and Trim Level
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.

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 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

  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 $4,514
20 $2,490
30 $1,084
40 $1,080
50 $990
60 $970

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Cobalt Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,218
$250 $1,154
$500 $1,080
$1,000 $1,006

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cobalt Insurance Rates with Different Liability Limits
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

Chevrolet Cobalt Insurance 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.

SR-22 Surcharge $144

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
Rate after discounts $668

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

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