Chevrolet Bolt Insurance Rates
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UPDATED: Jun 6, 2023
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The average auto insurance rates for a Chevrolet Bolt are $1,266 annually for full coverage. Comprehensive costs approximately $248 each year, collision costs $400, and liability costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing around $2,736. Teen drivers cost the most to insure at $4,866 a year or more.
Average premium for full coverage: $1,266
Policy rates by type of insurance:
Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Bolt models.
Price Range Variability
For a 40-year-old driver, Chevrolet Bolt insurance rates go from as cheap as $510 for liability-only coverage to a high rate of $2,736 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas.
The graphic below illustrates how your location can change auto insurance prices.
The examples above show why all drivers should compare prices using their specific location and their own personal driving habits, instead of using 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.
Additional Charts and Tables
The chart below shows estimated Chevrolet Bolt insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $743
- Using higher $1,000 deductibles will save $146 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,266
- Choosing low deductibles for physical damage coverage will cost $1,550
- Drivers with multiple violations and an at-fault accident could pay around $2,736 or more
- Policy cost with full coverage for a teen driver can cost $4,866 or more
Auto insurance rates for a Chevrolet Bolt also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $430 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Chevrolet Bolt insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Iowa, Maine, and Idaho, or as much as $1,810 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,146 | -$120 | -9.5% |
| Alaska | $972 | -$294 | -23.2% |
| Arizona | $1,052 | -$214 | -16.9% |
| Arkansas | $1,266 | -$0 | 0.0% |
| California | $1,444 | $178 | 14.1% |
| Colorado | $1,212 | -$54 | -4.3% |
| Connecticut | $1,304 | $38 | 3.0% |
| Delaware | $1,436 | $170 | 13.4% |
| Florida | $1,586 | $320 | 25.3% |
| Georgia | $1,170 | -$96 | -7.6% |
| Hawaii | $910 | -$356 | -28.1% |
| Idaho | $858 | -$408 | -32.2% |
| Illinois | $944 | -$322 | -25.4% |
| Indiana | $954 | -$312 | -24.6% |
| Iowa | $854 | -$412 | -32.5% |
| Kansas | $1,204 | -$62 | -4.9% |
| Kentucky | $1,730 | $464 | 36.7% |
| Louisiana | $1,876 | $610 | 48.2% |
| Maine | $784 | -$482 | -38.1% |
| Maryland | $1,046 | -$220 | -17.4% |
| Massachusetts | $1,014 | -$252 | -19.9% |
| Michigan | $2,202 | $936 | 73.9% |
| Minnesota | $1,062 | -$204 | -16.1% |
| Mississippi | $1,518 | $252 | 19.9% |
| Missouri | $1,124 | -$142 | -11.2% |
| Montana | $1,362 | $96 | 7.6% |
| Nebraska | $1,000 | -$266 | -21.0% |
| Nevada | $1,520 | $254 | 20.1% |
| New Hampshire | $914 | -$352 | -27.8% |
| New Jersey | $1,418 | $152 | 12.0% |
| New Mexico | $1,122 | -$144 | -11.4% |
| New York | $1,336 | $70 | 5.5% |
| North Carolina | $730 | -$536 | -42.3% |
| North Dakota | $1,038 | -$228 | -18.0% |
| Ohio | $876 | -$390 | -30.8% |
| Oklahoma | $1,304 | $38 | 3.0% |
| Oregon | $1,162 | -$104 | -8.2% |
| Pennsylvania | $1,210 | -$56 | -4.4% |
| Rhode Island | $1,692 | $426 | 33.6% |
| South Carolina | $1,148 | -$118 | -9.3% |
| South Dakota | $1,070 | -$196 | -15.5% |
| Tennessee | $1,110 | -$156 | -12.3% |
| Texas | $1,528 | $262 | 20.7% |
| Utah | $938 | -$328 | -25.9% |
| Vermont | $868 | -$398 | -31.4% |
| Virginia | $760 | -$506 | -40.0% |
| Washington | $982 | -$284 | -22.4% |
| West Virginia | $1,162 | -$104 | -8.2% |
| Wisconsin | $878 | -$388 | -30.6% |
| Wyoming | $1,130 | -$136 | -10.7% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Chevrolet Bolt | $282 | $512 | $442 | $1,394 |
| 2017 Chevrolet Bolt | $248 | $400 | $460 | $1,266 |
Rates are averaged for all Chevrolet Bolt 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 the Best Chevrolet Bolt Insurance
Finding cheaper rates on car insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to shop around at least once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a brief recap of the primary concepts that were illustrated above.
- Drivers can save around $150 per year simply by quoting online in advance
- Higher risk drivers who tend to receive serious violations pay on average $1,470 more per year to insure their Bolt
- Increasing comprehensive and collision deductibles could save up to $425 each year
- Teen drivers have the highest car insurance rates, costing up to $406 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,866 |
| 20 | $2,910 |
| 30 | $1,310 |
| 40 | $1,266 |
| 50 | $1,160 |
| 60 | $1,136 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,550 |
| $250 | $1,420 |
| $500 | $1,266 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,266 |
| 50/100 | $1,358 |
| 100/300 | $1,473 |
| 250/500 | $1,772 |
| 100 CSL | $1,404 |
| 300 CSL | $1,657 |
| 500 CSL | $1,841 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,912 |
| 20 | $4,638 |
| 30 | $2,784 |
| 40 | $2,736 |
| 50 | $2,616 |
| 60 | $2,592 |
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 | $66 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $89 |
| Total Discounts | $523 |
Discounts are estimated and may not be available from every company or in every state.
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