Chevrolet Bolt Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance prices for a Chevrolet Bolt are $1,416 every 12 months with full coverage. Comprehensive insurance costs around $298 a year, collision costs $530, and liability insurance is estimated at $430. Liability-only coverage costs approximately $486 a year, with high-risk coverage costing $3,062 or more. Teens cost the most to insure at $5,298 a year or more.
Average premium for full coverage: $1,416
Policy rates for type of insurance:
Rates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Bolt trim levels.
Price Range Variability
For a middle-aged driver, Chevrolet Bolt insurance rates go from the cheapest price of $486 for your basic liability-only policy to a high of $3,062 for a high risk driver.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion.
The diagram below illustrates the effect of location on auto insurance rates.
The examples above demonstrate why it is important to get quotes for a specific zip code and their own driving history, rather than relying on averaged prices.
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 Information
The chart below details estimated Chevrolet Bolt insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $815
- Choosing higher $1,000 deductibles can save about $1,228 annually
- The average price for a good driver age 40 using $500 deductibles is $1,416
- Selecting low $100 deductibles for comp and collision coverage costs an extra $364 a year
- High-risk insureds with serious driving violations could pay at least $3,062 or more
- Policy cost to insure a teen driver can be $5,298 each year
Insurance rates for a Chevrolet Bolt also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $560 each year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $5,200 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Chevrolet Bolt insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,910 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,278 | -$138 | -9.7% |
| Alaska | $1,086 | -$330 | -23.3% |
| Arizona | $1,174 | -$242 | -17.1% |
| Arkansas | $1,416 | -$0 | 0.0% |
| California | $1,614 | $198 | 14.0% |
| Colorado | $1,352 | -$64 | -4.5% |
| Connecticut | $1,456 | $40 | 2.8% |
| Delaware | $1,602 | $186 | 13.1% |
| Florida | $1,770 | $354 | 25.0% |
| Georgia | $1,306 | -$110 | -7.8% |
| Hawaii | $1,016 | -$400 | -28.2% |
| Idaho | $956 | -$460 | -32.5% |
| Illinois | $1,054 | -$362 | -25.6% |
| Indiana | $1,066 | -$350 | -24.7% |
| Iowa | $954 | -$462 | -32.6% |
| Kansas | $1,344 | -$72 | -5.1% |
| Kentucky | $1,930 | $514 | 36.3% |
| Louisiana | $2,094 | $678 | 47.9% |
| Maine | $872 | -$544 | -38.4% |
| Maryland | $1,166 | -$250 | -17.7% |
| Massachusetts | $1,134 | -$282 | -19.9% |
| Michigan | $2,458 | $1,042 | 73.6% |
| Minnesota | $1,186 | -$230 | -16.2% |
| Mississippi | $1,694 | $278 | 19.6% |
| Missouri | $1,256 | -$160 | -11.3% |
| Montana | $1,522 | $106 | 7.5% |
| Nebraska | $1,116 | -$300 | -21.2% |
| Nevada | $1,694 | $278 | 19.6% |
| New Hampshire | $1,020 | -$396 | -28.0% |
| New Jersey | $1,582 | $166 | 11.7% |
| New Mexico | $1,254 | -$162 | -11.4% |
| New York | $1,492 | $76 | 5.4% |
| North Carolina | $816 | -$600 | -42.4% |
| North Dakota | $1,160 | -$256 | -18.1% |
| Ohio | $978 | -$438 | -30.9% |
| Oklahoma | $1,454 | $38 | 2.7% |
| Oregon | $1,296 | -$120 | -8.5% |
| Pennsylvania | $1,350 | -$66 | -4.7% |
| Rhode Island | $1,886 | $470 | 33.2% |
| South Carolina | $1,282 | -$134 | -9.5% |
| South Dakota | $1,194 | -$222 | -15.7% |
| Tennessee | $1,240 | -$176 | -12.4% |
| Texas | $1,706 | $290 | 20.5% |
| Utah | $1,048 | -$368 | -26.0% |
| Vermont | $970 | -$446 | -31.5% |
| Virginia | $848 | -$568 | -40.1% |
| Washington | $1,094 | -$322 | -22.7% |
| West Virginia | $1,296 | -$120 | -8.5% |
| Wisconsin | $980 | -$436 | -30.8% |
| Wyoming | $1,260 | -$156 | -11.0% |
Because rates have so much variability, the best way to find out your exact price is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Chevrolet Bolt | $298 | $530 | $430 | $1,416 |
| 2017 Chevrolet Bolt | $260 | $446 | $456 | $1,320 |
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 Shop for Cheaper Chevrolet Bolt Insurance
Finding cheaper rates on Chevrolet Bolt insurance takes having a decent driving record, having above-average credit, not filing small claims, and taking advantage of discounts. Take the time to shop around at least every two years by quoting rates from direct companies, and also from several local insurance agents.
The following items are a summary of the information that was covered in this article.
- Increasing comprehensive and collision deductibles could save as much as $550 each year
- You may be able to save up to $170 per year simply by quoting early and online
- Drivers who may need additional liability coverage will pay approximately $470 every year to raise limits from a 30/60 limit to a 250/500 level
- 16 to 18-year-old drivers are charged the highest rates, as much as $442 each month if full coverage is included
- High-risk drivers that have multiple accidents or serious violations pay on average $1,650 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,298 |
| 20 | $3,264 |
| 30 | $1,474 |
| 40 | $1,416 |
| 50 | $1,294 |
| 60 | $1,268 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,780 |
| $250 | $1,610 |
| $500 | $1,416 |
| $1,000 | $1,228 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,416 |
| 50/100 | $1,502 |
| 100/300 | $1,610 |
| 250/500 | $1,889 |
| 100 CSL | $1,545 |
| 300 CSL | $1,782 |
| 500 CSL | $1,954 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,558 |
| 20 | $5,196 |
| 30 | $3,126 |
| 40 | $3,062 |
| 50 | $2,924 |
| 60 | $2,898 |
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 | $75 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $104 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $64 |
| Advance Quote | $70 |
| Online Quote | $101 |
| Total Discounts | $601 |
Discounts are estimated and may not be available from every company or in every state.
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