Chevrolet Cobalt 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...
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UPDATED: Jun 5, 2023
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How much does a Chevy Colbat cost to insure compared to other vehicles? Average Chevrolet Cobalt insurance rates are $1,342 a year or $111 a month. Rates may be slightly different among model years and build, such as 2010 Chevy Cobalt insurance rates versus rates for a 2007 Chevy Cobalt with customized parts.
To start shopping for the best Chevrolet Cobalt insurance rates in your area, enter your ZIP code in our free tool above.
U.S. average auto insurance rates for a Chevrolet Cobalt are $1,128 annually with full coverage. Comprehensive insurance costs an estimated $146, collision insurance costs $208, and liability coverage is $574. Liability-only coverage costs around $638 a year, and high-risk coverage costs $2,434 or more. Teens pay the highest rates at up to $4,690 a year.
Average premium for full coverage: $1,128
Price estimates broken down by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Cobalt trim levels.
Price Range from Low to High
For a 40-year-old driver, Chevrolet Cobalt insurance prices range from as cheap as $638 for the bare minimum liability coverage to a much higher rate of $2,434 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. More rural locations have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than using 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.
Additional Rate Information
The chart below details average Chevrolet Cobalt insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $693
- Raising to $1,000 deductibles will save approximately $82 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,128
- Selecting more expensive low deductibles costs an additional $154 each year
- Unlucky drivers with serious driving violations could pay up to $2,434
- The price with full coverage for a teenage driver with full coverage can cost as much as $4,690
Auto insurance prices for a Chevrolet Cobalt are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
An older driver with a good driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,300 to $1,900 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost around 41% to 128% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $240 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $516 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Chevrolet Cobalt insurance rates. A middle-age driver might find prices as low as $810 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,520 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,020 | -$108 | -9.6% |
| Alaska | $864 | -$264 | -23.4% |
| Arizona | $934 | -$194 | -17.2% |
| Arkansas | $1,128 | -$0 | 0.0% |
| California | $1,286 | $158 | 14.0% |
| Colorado | $1,076 | -$52 | -4.6% |
| Connecticut | $1,158 | $30 | 2.7% |
| Delaware | $1,276 | $148 | 13.1% |
| Florida | $1,408 | $280 | 24.8% |
| Georgia | $1,040 | -$88 | -7.8% |
| Hawaii | $808 | -$320 | -28.4% |
| Idaho | $766 | -$362 | -32.1% |
| Illinois | $840 | -$288 | -25.5% |
| Indiana | $852 | -$276 | -24.5% |
| Iowa | $762 | -$366 | -32.4% |
| Kansas | $1,070 | -$58 | -5.1% |
| Kentucky | $1,536 | $408 | 36.2% |
| Louisiana | $1,670 | $542 | 48.0% |
| Maine | $696 | -$432 | -38.3% |
| Maryland | $930 | -$198 | -17.6% |
| Massachusetts | $900 | -$228 | -20.2% |
| Michigan | $1,956 | $828 | 73.4% |
| Minnesota | $944 | -$184 | -16.3% |
| Mississippi | $1,350 | $222 | 19.7% |
| Missouri | $1,000 | -$128 | -11.3% |
| Montana | $1,212 | $84 | 7.4% |
| Nebraska | $886 | -$242 | -21.5% |
| Nevada | $1,352 | $224 | 19.9% |
| New Hampshire | $810 | -$318 | -28.2% |
| New Jersey | $1,258 | $130 | 11.5% |
| New Mexico | $998 | -$130 | -11.5% |
| New York | $1,188 | $60 | 5.3% |
| North Carolina | $648 | -$480 | -42.6% |
| North Dakota | $924 | -$204 | -18.1% |
| Ohio | $778 | -$350 | -31.0% |
| Oklahoma | $1,158 | $30 | 2.7% |
| Oregon | $1,032 | -$96 | -8.5% |
| Pennsylvania | $1,074 | -$54 | -4.8% |
| Rhode Island | $1,504 | $376 | 33.3% |
| South Carolina | $1,020 | -$108 | -9.6% |
| South Dakota | $952 | -$176 | -15.6% |
| Tennessee | $988 | -$140 | -12.4% |
| Texas | $1,358 | $230 | 20.4% |
| Utah | $836 | -$292 | -25.9% |
| Vermont | $770 | -$358 | -31.7% |
| Virginia | $674 | -$454 | -40.2% |
| Washington | $870 | -$258 | -22.9% |
| West Virginia | $1,036 | -$92 | -8.2% |
| Wisconsin | $780 | -$348 | -30.9% |
| Wyoming | $1,006 | -$122 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Cobalt LS 4-Dr Sedan | $1,014 | $85 |
| Chevrolet Cobalt XFE 4-Dr Sedan | $1,014 | $85 |
| Chevrolet Cobalt LS 2-Dr Coupe | $1,112 | $93 |
| Chevrolet Cobalt LT 4-Dr Sedan | $1,048 | $87 |
| Chevrolet Cobalt XFE 2-Dr Coupe | $1,112 | $93 |
| Chevrolet Cobalt LT 2-Dr Coupe | $1,134 | $95 |
| Chevrolet Cobalt SS Turbo 2-Dr Coupe | $1,202 | $100 |
Rates assume 2009 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Chevrolet Cobalt | $148 | $214 | $586 | $1,148 |
| 2009 Chevrolet Cobalt | $146 | $208 | $574 | $1,128 |
| 2008 Chevrolet Cobalt | $144 | $198 | $564 | $1,106 |
| 2007 Chevrolet Cobalt | $132 | $190 | $558 | $1,080 |
| 2006 Chevrolet Cobalt | $126 | $180 | $554 | $1,060 |
Rates are averaged for all Chevrolet Cobalt 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 Affordable Chevrolet Cobalt Insurance
Getting lower rates on auto insurance consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around every other policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a brief review of the ideas that were illustrated above.
- Teenagers are the costliest to insure, costing up to $391 a month if full coverage is included
- Drivers with DUI or reckless driving convictions pay on average $1,310 more annually for car insurance
- Increasing physical damage deductibles could save up to $225 each year
- You may be able to save approximately $120 per year just by shopping early and online
Using a rate comparison tool will help you find the best Chevy Cobalt insurance rates, regardless of if you are shopping for Cobalt SS insurance rates or trying to find out how much does a 2006 Chevy Cobalt cost to insure.
Wondering how to find rates for a Chevrolet Cobalt near me? Use our free tool below.
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What are the safety ratings of the Chevrolet Cobalt?
The Chevrolet Cobalt is not up to date on a number of advanced safety features, such as rearview cameras, and only has basic safety features like anti-lock brakes and child locks. This lack of safety features can have an impact on the Chevrolet Cobalt safety ratings.
The Insurance Institute for Highway Safety (IIHS) has only done limited testing on the 2010 Chevrolet Cobalt Coupe.
- Moderate overlap front: Good
- Side: Acceptable
- Head restraints and seats: Acceptable
An old Chevy Cobalt may have even worse safety ratings, due to fewer safety features and advancements in the vehicle. The video below shows how the IIHS crash-tested the Chevrolet Cobalt.
Chevrolet Cobalt Compared Against Other Vehicles in the Same Class
The Chevrolet Cobalt is a small, two-door car. Generally, small cars don’t have high liability rates unless they are prone to crashing, as they can’t inflict as much damage to other vehicles as larger cars. The list below is of other small, two-door cars, so you can see how the Chevrolet Cobalt’s insurance rates compare.
Use our free rate comparison tool to find the best Chevrolet Cobalt insurance rates in your area.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,690 |
| 20 | $2,600 |
| 30 | $1,136 |
| 40 | $1,128 |
| 50 | $1,036 |
| 60 | $1,014 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,282 |
| $250 | $1,212 |
| $500 | $1,128 |
| $1,000 | $1,046 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,128 |
| 50/100 | $1,317 |
| 100/300 | $1,460 |
| 250/500 | $1,833 |
| 100 CSL | $1,374 |
| 300 CSL | $1,690 |
| 500 CSL | $1,920 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,586 |
| 20 | $4,146 |
| 30 | $2,446 |
| 40 | $2,434 |
| 50 | $2,332 |
| 60 | $2,306 |
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 | $56 |
| Multi-vehicle | $62 |
| Homeowner | $21 |
| 5-yr Accident Free | $66 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $38 |
| Advance Quote | $48 |
| Online Quote | $74 |
| Total Discounts | $435 |
Discounts are estimated and may not be available from every company or in every state.
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