Chevrolet Cobalt LT 4-Dr Sedan Insurance Rates

Average insurance rates for a Chevrolet Cobalt LT 4-Dr Sedan are $1,522 a year for full coverage insurance. Comprehensive insurance costs an estimated $298, collision insurance costs $634, and liability costs around $410. Just liability insurance costs as low as $486 a year, and coverage for high-risk drivers costs $3,314 or more. Teenage drivers receive the highest rates at up to $5,718 a year.

Annual premium for full coverage: $1,522

Rate estimates broken down by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Chevrolet Cobalt Trim Level

These differences illustrate why everyone should compare prices for a targeted area, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Insurance prices for a Chevrolet Cobalt LT 4-Dr Sedan can also vary considerably based on the replacement cost of your Cobalt, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,800 to $2,500 additional per year, depending on your age. Chevrolet Cobalt LT 4-Dr Sedan insurance for high-risk drivers can be from 44% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,700 a year. View Rates by Age

Where you live has a huge impact on Chevrolet Cobalt LT 4-Dr Sedan insurance prices. A driver around age 40 might see prices as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $630 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $369 more each year. View Rates by Deductible or Liability Limit

With so much variability in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and rates can be significantly different.

View Chart as Image

The chart estimates Chevrolet Cobalt LT 4-Dr Sedan insurance prices for various risks and coverage choices. The cheapest discount price is $869. Drivers who use higher $1,000 deductibles will pay $1,314. The average price for a driver around age 40 using $500 deductibles is $1,522. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,940. Drivers with multiple violations and accidents could be charged as much as $3,314. The rate for full coverage for a teenage driver can be as high as $5,718.

View Chart as Image