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.
U.S. average auto insurance rates for a Chevrolet Cobalt are $1,080 annually for full coverage insurance. Comprehensive insurance costs approximately $132, collision costs $190, and liability costs $558. Buying just liability costs as little as $624 a year, with insurance for high-risk drivers costing $2,322 or more. Teen drivers pay the highest rates at $4,514 a year or more.
Average premium for full coverage: $1,080
Price estimates by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Cobalt trim levels.
Price Range from Low to High
For the average 40-year-old driver, Chevrolet Cobalt insurance prices go from as cheap as $624 for just liability insurance to a much higher rate of $2,322 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can make a big difference on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas.
The price range example below illustrates the difference location can make on auto insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of making a decision based on price 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.
More Rate Details
The chart below illustrates estimated Chevrolet Cobalt insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $668
- Drivers who choose higher $1,000 deductibles will pay $74 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,080
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $138 annually
- Drivers with multiple violations and an at-fault accident could pay around $2,322 or more
- The price with full coverage for a 16-year-old driver with full coverage can cost $4,514 a year
Insurance prices for a Chevrolet Cobalt are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,000 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,300 to $1,900 additional each year, depending on your age. High-risk driver insurance can cost from 42% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $220 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $502 more each year. View Rates by Deductible or Liability Limit
The state you live in 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 North Carolina, Wisconsin, and Vermont, or as much as $1,450 on average in Florida, New York, and Michigan.
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% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices from multiple companies. Every company uses a different rate calculation, and prices may be quite different between companies.
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 Buy Affordable Chevrolet Cobalt Insurance
Getting lower rates on insurance for a Chevrolet Cobalt not only requires having a decent driving record, but also having good credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates at every other renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following items are a brief review of the concepts that were touched on in this article.
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,240 more per year than a driver with a clean driving record
- 16 to 18-year-old drivers are the costliest to insure, as much as $376 a month if they have full coverage
- It is possible to save around $120 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $200 each year
- It is possible to save around $120 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
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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