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 prices for a Chevrolet Cobalt are $1,148 every 12 months with full coverage. Comprehensive costs on average $148, collision costs $214, and liability coverage costs $586. A liability-only policy costs as little as $646 a year, with high-risk insurance costing around $2,474. 16-year-old drivers pay the most at $4,766 a year or more.

Average premium for full coverage: $1,148

Premium estimates by type of coverage:

Comprehensive $148
Collision $214
Liability $586

Includes $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different Cobalt trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Chevrolet Cobalt go from the cheapest price of $646 for a discount liability-only rate to a much higher rate of $2,474 for a driver who requires high-risk insurance.

Liability Only $646
Full Coverage $1,148
High Risk $2,474

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than congested cities.

The price range example below illustrates how location helps determine car insurance rates.

Rural Areas $861
Small Cities $1,205
Large Cities $1,550

These rate differences demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than using rate 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.

Rates by State, City, and Model

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

  • The best full coverage rate is $705
  • Drivers who choose higher $1,000 deductibles will pay around $84 annually
  • The average price for a 40-year-old good driver with $500 deductibles is $1,148
  • Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,304
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,474 or more
  • An auto insurance policy to insure a teenage driver with full coverage may cost $4,766 a year

View Chart as Image

Chevrolet Cobalt insurance cost comparison chart
Column chart showing full coverage Chevrolet Cobalt insurance rates range from $705 to $4,766

Auto insurance prices for a Chevrolet Cobalt also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Cobalt.

Opting for high physical damage deductibles could save up to $240 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $528 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance can cost around 42% to 136% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Chevrolet Cobalt insurance rates. A 40-year-old driver could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or at least $1,550 on average in Florida, Michigan, and New York.

Chevrolet Cobalt Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,036 -$112 -9.8%
Alaska $880 -$268 -23.3%
Arizona $948 -$200 -17.4%
Arkansas $1,148 -$0 0.0%
California $1,306 $158 13.8%
Colorado $1,096 -$52 -4.5%
Connecticut $1,178 $30 2.6%
Delaware $1,298 $150 13.1%
Florida $1,430 $282 24.6%
Georgia $1,056 -$92 -8.0%
Hawaii $822 -$326 -28.4%
Idaho $776 -$372 -32.4%
Illinois $852 -$296 -25.8%
Indiana $864 -$284 -24.7%
Iowa $776 -$372 -32.4%
Kansas $1,086 -$62 -5.4%
Kentucky $1,562 $414 36.1%
Louisiana $1,698 $550 47.9%
Maine $710 -$438 -38.2%
Maryland $946 -$202 -17.6%
Massachusetts $914 -$234 -20.4%
Michigan $1,990 $842 73.3%
Minnesota $958 -$190 -16.6%
Mississippi $1,374 $226 19.7%
Missouri $1,018 -$130 -11.3%
Montana $1,234 $86 7.5%
Nebraska $902 -$246 -21.4%
Nevada $1,374 $226 19.7%
New Hampshire $824 -$324 -28.2%
New Jersey $1,280 $132 11.5%
New Mexico $1,014 -$134 -11.7%
New York $1,204 $56 4.9%
North Carolina $660 -$488 -42.5%
North Dakota $940 -$208 -18.1%
Ohio $792 -$356 -31.0%
Oklahoma $1,176 $28 2.4%
Oregon $1,050 -$98 -8.5%
Pennsylvania $1,094 -$54 -4.7%
Rhode Island $1,530 $382 33.3%
South Carolina $1,038 -$110 -9.6%
South Dakota $966 -$182 -15.9%
Tennessee $1,002 -$146 -12.7%
Texas $1,380 $232 20.2%
Utah $850 -$298 -26.0%
Vermont $784 -$364 -31.7%
Virginia $686 -$462 -40.2%
Washington $884 -$264 -23.0%
West Virginia $1,052 -$96 -8.4%
Wisconsin $794 -$354 -30.8%
Wyoming $1,022 -$126 -11.0%

View Chart as Image

Chevrolet Cobalt insurance rates by U.S. city

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Every company utilizes a different rate formula, and quoted prices will be substantially different.

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 $1,030 $86
Chevrolet Cobalt XFE 4-Dr Sedan $1,030 $86
Chevrolet Cobalt LS 2-Dr Coupe $1,130 $94
Chevrolet Cobalt LT 4-Dr Sedan $1,066 $89
Chevrolet Cobalt XFE 2-Dr Coupe $1,130 $94
Chevrolet Cobalt LT 2-Dr Coupe $1,154 $96
Chevrolet Cobalt SS Turbo 2-Dr Coupe $1,222 $102

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 $152 $238 $592 $1,182
2009 Chevrolet Cobalt $148 $214 $586 $1,148
2008 Chevrolet Cobalt $146 $208 $574 $1,128
2007 Chevrolet Cobalt $144 $198 $564 $1,106
2006 Chevrolet Cobalt $132 $190 $558 $1,080
2005 Chevrolet Cobalt $126 $180 $554 $1,060

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 the Cheapest Chevrolet Cobalt Insurance

Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, being claim-free, and taking advantage of discounts. Invest time comparing rates at every other renewal by getting quotes from direct companies, and also from local exclusive and independent agents.

The following is a recap of the concepts that were covered in the charts and tables above.

  • Drivers that have major violations or accidents may pay on average $1,330 more each year for Cobalt insurance
  • Teens are charged the highest prices, possibly costing $397 per month if comprehensive and collision insurance is included
  • You may be able to save as much as $130 per year simply by shopping early and online
  • Increasing policy deductibles could save as much as $250 each year
  • You may be able to save as much as $130 per year simply by shopping 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 $4,766
20 $2,642
30 $1,154
40 $1,148
50 $1,054
60 $1,032

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Cobalt Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,304
$250 $1,232
$500 $1,148
$1,000 $1,064

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cobalt Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,148
50/100 $1,339
100/300 $1,486
250/500 $1,867
100 CSL $1,398
300 CSL $1,720
500 CSL $1,955

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Cobalt Insurance Rates for High Risk Drivers
Age Premium
16 $6,692
20 $4,214
30 $2,486
40 $2,474
50 $2,372
60 $2,346

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 $155

Potential Rate Discounts

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

Discount Savings
Multi-policy $57
Multi-vehicle $63
Homeowner $21
5-yr Accident Free $67
5-yr Claim Free $71
Paid in Full/EFT $39
Advance Quote $49
Online Quote $76
Total Discounts $443
Rate after discounts $705

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

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