Chevrolet Bolt Insurance Rates
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Michelle Robbins
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UPDATED: Jun 6, 2023
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The average auto insurance rates for a Chevrolet Bolt are $1,218 annually including full coverage. Comprehensive insurance costs an estimated $232 a year, collision insurance costs $368, and liability is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs $2,632 or more. Teenage drivers cost the most to insure at up to $4,716 a year.
Average premium for full coverage: $1,218
Policy rates broken down by type of insurance:
Includes $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Bolt trim levels.
Price Range Variability
For the average 40-year-old driver, Chevrolet Bolt insurance rates range from as cheap as $510 for minimum levels of liability insurance to a high of $2,632 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on insurance prices.
The examples above highlight why it is important to get quotes for a targeted area and their own personal driving habits, instead of using average rates.
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 Rate Details
The chart below breaks down average Chevrolet Bolt insurance rates for other coverage scenarios.
- The best discount rate is $717
- Choosing higher $1,000 deductibles can save approximately $1,082 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,218
- Using low $100 deductibles for comp and collision coverage costs an additional $264 every year
- Unlucky drivers who are prone to accidents and violations could pay up to $2,632
- Policy cost with full coverage for a teen driver can cost as much as $4,716 each year
Insurance rates for a Chevrolet Bolt also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.
Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 128% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $400 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Chevrolet Bolt insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,740 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,102 | -$116 | -9.5% |
| Alaska | $934 | -$284 | -23.3% |
| Arizona | $1,014 | -$204 | -16.7% |
| Arkansas | $1,218 | -$0 | 0.0% |
| California | $1,390 | $172 | 14.1% |
| Colorado | $1,166 | -$52 | -4.3% |
| Connecticut | $1,254 | $36 | 3.0% |
| Delaware | $1,380 | $162 | 13.3% |
| Florida | $1,524 | $306 | 25.1% |
| Georgia | $1,124 | -$94 | -7.7% |
| Hawaii | $876 | -$342 | -28.1% |
| Idaho | $826 | -$392 | -32.2% |
| Illinois | $908 | -$310 | -25.5% |
| Indiana | $918 | -$300 | -24.6% |
| Iowa | $822 | -$396 | -32.5% |
| Kansas | $1,158 | -$60 | -4.9% |
| Kentucky | $1,664 | $446 | 36.6% |
| Louisiana | $1,804 | $586 | 48.1% |
| Maine | $754 | -$464 | -38.1% |
| Maryland | $1,006 | -$212 | -17.4% |
| Massachusetts | $976 | -$242 | -19.9% |
| Michigan | $2,118 | $900 | 73.9% |
| Minnesota | $1,020 | -$198 | -16.3% |
| Mississippi | $1,460 | $242 | 19.9% |
| Missouri | $1,080 | -$138 | -11.3% |
| Montana | $1,310 | $92 | 7.6% |
| Nebraska | $962 | -$256 | -21.0% |
| Nevada | $1,462 | $244 | 20.0% |
| New Hampshire | $880 | -$338 | -27.8% |
| New Jersey | $1,364 | $146 | 12.0% |
| New Mexico | $1,080 | -$138 | -11.3% |
| New York | $1,284 | $66 | 5.4% |
| North Carolina | $702 | -$516 | -42.4% |
| North Dakota | $998 | -$220 | -18.1% |
| Ohio | $842 | -$376 | -30.9% |
| Oklahoma | $1,252 | $34 | 2.8% |
| Oregon | $1,118 | -$100 | -8.2% |
| Pennsylvania | $1,164 | -$54 | -4.4% |
| Rhode Island | $1,628 | $410 | 33.7% |
| South Carolina | $1,104 | -$114 | -9.4% |
| South Dakota | $1,028 | -$190 | -15.6% |
| Tennessee | $1,068 | -$150 | -12.3% |
| Texas | $1,470 | $252 | 20.7% |
| Utah | $902 | -$316 | -25.9% |
| Vermont | $834 | -$384 | -31.5% |
| Virginia | $730 | -$488 | -40.1% |
| Washington | $944 | -$274 | -22.5% |
| West Virginia | $1,118 | -$100 | -8.2% |
| Wisconsin | $844 | -$374 | -30.7% |
| Wyoming | $1,088 | -$130 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Chevrolet Bolt | $270 | $474 | $452 | $1,354 |
| 2017 Chevrolet Bolt | $232 | $368 | $460 | $1,218 |
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 Cheapest Chevrolet Bolt Insurance
Finding cheaper rates on car insurance takes being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below is a recap of the material that was touched on in this article.
- Policyholders who want higher levels of liability will pay an extra $510 per year to raise limits from a 30/60 limit to higher 250/500 limits
- Teenage drivers are charged the highest rates, with premiums being up to $393 each month including comprehensive and collision insurance
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,410 more annually for auto insurance
- Increasing comprehensive and collision deductibles could save up to $400 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,716 |
| 20 | $2,800 |
| 30 | $1,256 |
| 40 | $1,218 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,482 |
| $250 | $1,360 |
| $500 | $1,218 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,218 |
| 50/100 | $1,310 |
| 100/300 | $1,425 |
| 250/500 | $1,724 |
| 100 CSL | $1,356 |
| 300 CSL | $1,609 |
| 500 CSL | $1,793 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,688 |
| 20 | $4,460 |
| 30 | $2,674 |
| 40 | $2,632 |
| 50 | $2,516 |
| 60 | $2,492 |
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 | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $501 |
Discounts are estimated and may not be available from every company or in every state.
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