Chevrolet Bolt Insurance Rates
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UPDATED: Jun 6, 2023
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Average insurance rates for a Chevrolet Bolt are $1,266 a year including full coverage. Comprehensive costs around $248, collision insurance costs $400, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,736. Teenage drivers receive the highest rates at up to $4,866 a year.
Average premium for full coverage: $1,266
Rate estimates for individual coverage type:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Bolt models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as low as $510 for just liability insurance to the much higher price of $2,736 for a driver who requires high-risk insurance.
Price Range by Location
Where you live can make a big difference on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance rates.
These examples highlight why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on 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.
More Rate Details
The chart below breaks down average Chevrolet Bolt insurance rates for additional coverage choices and driver risks.
- The best discount rate is $743
- Using higher $1,000 deductibles will save about $146 every year
- The average rate for a 40-year-old driver using $500 deductibles is $1,266
- Using pricier low deductibles for physical damage coverage will increase the cost to $1,550
- High-risk insureds who are prone to accidents and violations could pay at least $2,736
- The cost for full coverage for a 16-year-old driver for full coverage can be $4,866 or more
Insurance rates for a Chevrolet Bolt can also vary considerably based on your driver profile, the model of your Bolt, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age
Where you live has a huge impact on Chevrolet Bolt insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,810 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles could cut rates by as much as $430 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $1,500 to $2,100 extra per year, depending on your age. Chevrolet Bolt insurance for high-risk drivers can be from 43% to 132% more than a normal policy. View High Risk Driver Rates
| 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 Find the Best Cheap Chevrolet Bolt Insurance
Saving money on insurance for a Chevrolet Bolt requires being a good driver, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates at every other renewal by getting quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
The following list is a quick review of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,470 more every year than a safer driver
- Drivers age 16 to 20 pay higher rates, as much as $406 per month for full coverage
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save around $425 each year
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
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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