Chevrolet Bolt Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 6, 2023
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The average insurance rates for a Chevrolet Bolt are $1,218 a year including full coverage. Comprehensive costs approximately $232, collision costs $368, and liability coverage is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing around $2,632. Teen drivers cost the most to insure at $4,716 a year or more.
Average premium for full coverage: $1,218
Policy rates by type of insurance:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Bolt trim levels.
Price Range Variability
Using a middle-aged driver as an example, Chevrolet Bolt insurance rates go from as low as $510 for liability-only coverage to a much higher rate of $2,632 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.
The price range example below illustrates how where you live affects auto insurance prices.
The examples above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than 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 breaks down estimated Chevrolet Bolt insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $717
- Raising to $1,000 deductibles will save $136 every year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,218
- Choosing more expensive low deductibles will increase the cost to $1,482
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,632 or more
- Policy cost for full coverage for a teenage driver with full coverage can cost $4,716
Car insurance rates for a Chevrolet Bolt also range considerably based on your risk profile, the model of your Bolt, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $4,700 a year. View Rates by Age
Your home state also has a big influence on Chevrolet Bolt insurance rates. A middle-age driver might find rates as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or 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% |
Choosing high deductibles can reduce rates by up to $400 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 128% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.
| 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 Find Low Cost Chevrolet Bolt Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and avoiding coverage lapses. Take the time to comparison shop every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The points below are a review of the ideas that were touched on in the above illustrations.
- Drivers under the age of 20 pay the highest auto insurance rates, with premiums being up to $393 each month if full coverage is included
- Drivers who have several accidents or serious violations could be forced to pay on average $1,410 more per year to insure a Chevrolet Bolt
- Increasing comprehensive and collision deductibles can save around $400 each year
- You may be able to save around $140 per year simply by shopping early and online
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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