Chevrolet Cobalt Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
Estimated insurance prices for a Chevrolet Cobalt are $1,182 every 12 months for full coverage insurance. Comprehensive costs an estimated $152 a year, collision costs $238, and liability coverage is $592. Liability-only insurance costs around $652 a year, with high-risk driver insurance costing around $2,556. 16-year-old drivers pay the most at $4,892 a year or more.
Average premium for full coverage: $1,182
Premium estimates broken down by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Cobalt trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Chevrolet Cobalt go from the cheapest price of $652 for just the minimum liability insurance to a high of $2,556 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than congested cities.
The diagram below illustrates the effect of geographic area on insurance prices.
These rate differences illustrate why it is important to compare rates quotes for a targeted area and their own driving history, rather than using rate 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 Rate Analysis
The chart below illustrates estimated Chevrolet Cobalt insurance rates for other coverage scenarios.
- The best full coverage rate is $718
- Raising to $1,000 deductibles will save approximately $1,094 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,182
- Buying low $100 deductibles increases the price to $1,354
- Unlucky drivers with multiple tickets or accidents could pay up to $2,556 or more
- An auto insurance policy to insure a teenage driver can cost as much as $4,892
Insurance prices for a Chevrolet Cobalt also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce prices by up to $260 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $533 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $1,400 to $2,000 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 132% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Chevrolet Cobalt insurance rates. A middle-age driver might find prices as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,590 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,066 | -$116 | -9.8% |
| Alaska | $906 | -$276 | -23.4% |
| Arizona | $978 | -$204 | -17.3% |
| Arkansas | $1,182 | -$0 | 0.0% |
| California | $1,344 | $162 | 13.7% |
| Colorado | $1,126 | -$56 | -4.7% |
| Connecticut | $1,212 | $30 | 2.5% |
| Delaware | $1,334 | $152 | 12.9% |
| Florida | $1,474 | $292 | 24.7% |
| Georgia | $1,090 | -$92 | -7.8% |
| Hawaii | $846 | -$336 | -28.4% |
| Idaho | $800 | -$382 | -32.3% |
| Illinois | $878 | -$304 | -25.7% |
| Indiana | $892 | -$290 | -24.5% |
| Iowa | $800 | -$382 | -32.3% |
| Kansas | $1,122 | -$60 | -5.1% |
| Kentucky | $1,608 | $426 | 36.0% |
| Louisiana | $1,748 | $566 | 47.9% |
| Maine | $728 | -$454 | -38.4% |
| Maryland | $974 | -$208 | -17.6% |
| Massachusetts | $942 | -$240 | -20.3% |
| Michigan | $2,050 | $868 | 73.4% |
| Minnesota | $988 | -$194 | -16.4% |
| Mississippi | $1,412 | $230 | 19.5% |
| Missouri | $1,046 | -$136 | -11.5% |
| Montana | $1,270 | $88 | 7.4% |
| Nebraska | $930 | -$252 | -21.3% |
| Nevada | $1,416 | $234 | 19.8% |
| New Hampshire | $850 | -$332 | -28.1% |
| New Jersey | $1,318 | $136 | 11.5% |
| New Mexico | $1,046 | -$136 | -11.5% |
| New York | $1,240 | $58 | 4.9% |
| North Carolina | $678 | -$504 | -42.6% |
| North Dakota | $968 | -$214 | -18.1% |
| Ohio | $816 | -$366 | -31.0% |
| Oklahoma | $1,210 | $28 | 2.4% |
| Oregon | $1,082 | -$100 | -8.5% |
| Pennsylvania | $1,126 | -$56 | -4.7% |
| Rhode Island | $1,574 | $392 | 33.2% |
| South Carolina | $1,070 | -$112 | -9.5% |
| South Dakota | $994 | -$188 | -15.9% |
| Tennessee | $1,034 | -$148 | -12.5% |
| Texas | $1,422 | $240 | 20.3% |
| Utah | $876 | -$306 | -25.9% |
| Vermont | $806 | -$376 | -31.8% |
| Virginia | $706 | -$476 | -40.3% |
| Washington | $912 | -$270 | -22.8% |
| West Virginia | $1,082 | -$100 | -8.5% |
| Wisconsin | $818 | -$364 | -30.8% |
| Wyoming | $1,052 | -$130 | -11.0% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Cobalt LS 4-Dr Sedan | $1,060 | $88 |
| Chevrolet Cobalt XFE 4-Dr Sedan | $1,060 | $88 |
| Chevrolet Cobalt LS 2-Dr Coupe | $1,164 | $97 |
| Chevrolet Cobalt LT 4-Dr Sedan | $1,098 | $92 |
| Chevrolet Cobalt XFE 2-Dr Coupe | $1,164 | $97 |
| Chevrolet Cobalt LT 2-Dr Coupe | $1,190 | $99 |
| Chevrolet Cobalt SS Turbo 2-Dr Coupe | $1,262 | $105 |
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 | $162 | $262 | $592 | $1,216 |
| 2009 Chevrolet Cobalt | $152 | $238 | $592 | $1,182 |
| 2008 Chevrolet Cobalt | $148 | $214 | $586 | $1,148 |
| 2007 Chevrolet Cobalt | $146 | $208 | $574 | $1,128 |
| 2006 Chevrolet Cobalt | $144 | $198 | $564 | $1,106 |
| 2005 Chevrolet Cobalt | $132 | $190 | $558 | $1,080 |
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 Shop for Cheaper Chevrolet Cobalt Insurance
Finding better rates on auto insurance consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates at least every other year by requesting rates from direct insurance companies, and also from insurance agencies where you live.
The following items are a condensed summary of the car insurance concepts covered in the above illustrations.
- Drivers with multiple at-fault accidents could be forced to pay on average $1,370 more annually than a driver with a clean driving record
- It is possible to save approximately $130 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $250 each year
- Consumers who want additional liability coverage will pay around $650 annually to raise from 30/60 bodily injury limits to a 250/500 level
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $4,892 |
| 20 | $2,732 |
| 30 | $1,192 |
| 40 | $1,182 |
| 50 | $1,086 |
| 60 | $1,064 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,354 |
| $250 | $1,274 |
| $500 | $1,182 |
| $1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,182 |
| 50/100 | $1,380 |
| 100/300 | $1,528 |
| 250/500 | $1,913 |
| 100 CSL | $1,440 |
| 300 CSL | $1,765 |
| 500 CSL | $2,002 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,878 |
| 20 | $4,356 |
| 30 | $2,570 |
| 40 | $2,556 |
| 50 | $2,450 |
| 60 | $2,422 |
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 | $59 |
| Multi-vehicle | $66 |
| Homeowner | $22 |
| 5-yr Accident Free | $71 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $41 |
| Advance Quote | $52 |
| Online Quote | $79 |
| Total Discounts | $464 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
