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.
The average insurance prices for a Chevrolet Cobalt are $1,106 every 12 months with full coverage. Comprehensive insurance costs approximately $144, collision insurance costs $198, and liability coverage is $564. Liability-only insurance costs around $628 a year, and high-risk driver insurance costs $2,380 or more. Teens cost the most to insure at up to $4,596 a year.
Average premium for full coverage: $1,106
Policy rates by type of insurance:
Estimates include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Cobalt models.
Price Range Variability
Using a 40-year-old driver as an example, Chevrolet Cobalt insurance rates range from the cheapest price of $628 for minimum levels of liability insurance to the much higher price of $2,380 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. Rural locations are shown to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance prices.
The examples above demonstrate why everyone should compare rates quotes using their specific location and their own driving history, rather than using averaged prices.
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 Details
The chart below details average Chevrolet Cobalt insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $684
- Raising to $1,000 deductibles will save $80 annually
- The average price for a good driver age 40 who chooses $500 deductibles is $1,106
- Selecting pricier low deductibles costs an extra $148 each year
- Unlucky drivers with serious driving violations could pay around $2,380
- Policy cost to insure a teenage driver for full coverage can cost $4,596
Auto insurance rates for a Chevrolet Cobalt also range considerably based on liability limits and deductibles, your driving record, and the model of your Cobalt.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $230 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $507 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,300 to $1,900 in extra premium every year, depending on your age. Chevrolet Cobalt insurance for high-risk drivers is expensive and can cost around 41% to 131% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on Chevrolet Cobalt insurance rates. A middle-age driver might find rates as low as $800 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,490 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,000 | -$106 | -9.6% |
| Alaska | $846 | -$260 | -23.5% |
| Arizona | $914 | -$192 | -17.4% |
| Arkansas | $1,106 | -$0 | 0.0% |
| California | $1,258 | $152 | 13.7% |
| Colorado | $1,054 | -$52 | -4.7% |
| Connecticut | $1,136 | $30 | 2.7% |
| Delaware | $1,250 | $144 | 13.0% |
| Florida | $1,378 | $272 | 24.6% |
| Georgia | $1,018 | -$88 | -8.0% |
| Hawaii | $790 | -$316 | -28.6% |
| Idaho | $750 | -$356 | -32.2% |
| Illinois | $822 | -$284 | -25.7% |
| Indiana | $834 | -$272 | -24.6% |
| Iowa | $746 | -$360 | -32.5% |
| Kansas | $1,048 | -$58 | -5.2% |
| Kentucky | $1,508 | $402 | 36.3% |
| Louisiana | $1,636 | $530 | 47.9% |
| Maine | $682 | -$424 | -38.3% |
| Maryland | $912 | -$194 | -17.5% |
| Massachusetts | $880 | -$226 | -20.4% |
| Michigan | $1,918 | $812 | 73.4% |
| Minnesota | $924 | -$182 | -16.5% |
| Mississippi | $1,324 | $218 | 19.7% |
| Missouri | $980 | -$126 | -11.4% |
| Montana | $1,188 | $82 | 7.4% |
| Nebraska | $868 | -$238 | -21.5% |
| Nevada | $1,324 | $218 | 19.7% |
| New Hampshire | $796 | -$310 | -28.0% |
| New Jersey | $1,234 | $128 | 11.6% |
| New Mexico | $978 | -$128 | -11.6% |
| New York | $1,162 | $56 | 5.1% |
| North Carolina | $634 | -$472 | -42.7% |
| North Dakota | $906 | -$200 | -18.1% |
| Ohio | $764 | -$342 | -30.9% |
| Oklahoma | $1,132 | $26 | 2.4% |
| Oregon | $1,012 | -$94 | -8.5% |
| Pennsylvania | $1,054 | -$52 | -4.7% |
| Rhode Island | $1,472 | $366 | 33.1% |
| South Carolina | $1,000 | -$106 | -9.6% |
| South Dakota | $932 | -$174 | -15.7% |
| Tennessee | $968 | -$138 | -12.5% |
| Texas | $1,332 | $226 | 20.4% |
| Utah | $820 | -$286 | -25.9% |
| Vermont | $756 | -$350 | -31.6% |
| Virginia | $662 | -$444 | -40.1% |
| Washington | $854 | -$252 | -22.8% |
| West Virginia | $1,014 | -$92 | -8.3% |
| Wisconsin | $766 | -$340 | -30.7% |
| Wyoming | $984 | -$122 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Cobalt LS 4-Dr Sedan | $992 | $83 |
| Chevrolet Cobalt XFE 4-Dr Sedan | $992 | $83 |
| Chevrolet Cobalt LS 2-Dr Coupe | $1,088 | $91 |
| Chevrolet Cobalt LT 4-Dr Sedan | $1,024 | $85 |
| Chevrolet Cobalt XFE 2-Dr Coupe | $1,088 | $91 |
| Chevrolet Cobalt LT 2-Dr Coupe | $1,112 | $93 |
| Chevrolet Cobalt SS Turbo 2-Dr Coupe | $1,178 | $98 |
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 | $174 | $286 | $596 | $1,256 |
| 2009 Chevrolet Cobalt | $162 | $262 | $592 | $1,216 |
| 2008 Chevrolet Cobalt | $152 | $238 | $592 | $1,182 |
| 2007 Chevrolet Cobalt | $148 | $214 | $586 | $1,148 |
| 2006 Chevrolet Cobalt | $146 | $208 | $574 | $1,128 |
| 2005 Chevrolet Cobalt | $144 | $198 | $564 | $1,106 |
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 Shop for Low Cost Chevrolet Cobalt Insurance
Finding cheaper rates on auto insurance consists of being a good driver, having a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to shop around every couple of years by getting rate quotes from direct companies, and also from insurance agencies where you live.
The following list is a review of the material that was raised in the charts and tables above.
- Consumers who purchase an increased level of liability coverage will pay approximately $620 every year to raise from a 30/60 limit to a 250/500 level
- Drivers age 16 to 20 have the highest car insurance rates, as much as $383 each month if comprehensive and collision insurance is included
- Drivers who have several accidents or serious violations could be forced to pay on average $1,270 more per year than a safer driver
- Increasing comprehensive and collision deductibles could save as much as $225 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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,596 |
| 20 | $2,544 |
| 30 | $1,114 |
| 40 | $1,106 |
| 50 | $1,016 |
| 60 | $994 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,254 |
| $250 | $1,186 |
| $500 | $1,106 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,106 |
| 50/100 | $1,291 |
| 100/300 | $1,432 |
| 250/500 | $1,798 |
| 100 CSL | $1,347 |
| 300 CSL | $1,657 |
| 500 CSL | $1,883 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,450 |
| 20 | $4,052 |
| 30 | $2,390 |
| 40 | $2,380 |
| 50 | $2,282 |
| 60 | $2,254 |
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 | $54 |
| Multi-vehicle | $60 |
| Homeowner | $20 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $37 |
| Advance Quote | $47 |
| Online Quote | $72 |
| Total Discounts | $422 |
Discounts are estimated and may not be available from every company or in every state.
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