Chevrolet Cobalt XFE 2-Dr Coupe Insurance Rates

U.S. average auto insurance rates for a Chevrolet Cobalt XFE 2-Dr Coupe are $1,556 annually with full coverage. Comprehensive costs around $298 each year, collision insurance costs $604, and liability insurance costs around $454. Buying just liability costs as low as $538 a year, and insurance for high-risk drivers costs around $3,372. Teenage drivers pay the highest rates at up to $5,892 a year.

Annual premium for full coverage: $1,556

Price estimates for individual coverage:

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

Price Range for Insurance for this Chevrolet Cobalt Trim Level

Geographic Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

These price ranges demonstrate why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.

Use the form below to get rates for your location.

Insurance prices for a Chevrolet Cobalt XFE 2-Dr Coupe are also quite variable based on the actual cash value of your Cobalt, your driving record, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,800 to $2,500 additional each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $610 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $408 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Chevrolet Cobalt XFE 2-Dr Coupe insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Since prices can be so different, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, and rates may be quite different between companies.

View Chart as Image

The chart above shows Chevrolet Cobalt XFE 2-Dr Coupe insurance prices for various situations. The lowest price with discounts is $899. Drivers who use higher $1,000 deductibles will pay about $1,352. The average price for a driver age 40 with no violations using $500 deductibles is $1,556. Using lower $100 deductibles for comp and collision coverage could cost up to $1,956. Drivers with multiple violations and accidents could be charged at least $3,372. The policy rate for full coverage insurance for a 16-year-old driver can be as high as $5,892.

View Chart as Image