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 insurance rates for a Chevrolet Cobalt are $1,128 a year including full coverage. Comprehensive insurance costs around $146 each year, collision costs $208, and liability costs around $574. Liability-only insurance costs as low as $638 a year, with high-risk driver insurance costing $2,434 or more. Teenage drivers pay the highest rates at $4,690 a year or more.
Average premium for full coverage: $1,128
Price estimates for individual coverage:
Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Cobalt models.
Price Range from Low to High
For the average driver, Chevrolet Cobalt insurance prices go from the low end price of $638 for just liability insurance to a high rate of $2,434 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live can make a big difference on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities.
The graphic below illustrates how location impacts auto insurance rates.
The ranges above highlight why all drivers should compare prices for a specific zip code, 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 estimated Chevrolet Cobalt insurance rates for additional coverage choices and driver risks.
- The best discount rate is $693
- Using higher $1,000 deductibles will save about $82 every year
- The estimated price for the average middle-age driver using $500 deductibles is $1,128
- Using low deductibles for physical damage coverage will cost an additional $154 annually
- High-risk insureds who are prone to accidents and violations could pay at least $2,434 or more
- The price that insures a 16-year-old driver can be $4,690 or more
Car insurance prices for a Chevrolet Cobalt are also quite variable based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are likely paying at least $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be from 41% to 128% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age
The state you live in has a huge impact on Chevrolet Cobalt insurance prices. A driver around age 40 might see prices as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,610 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles could cut prices by as much as $240 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $516 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different.
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 Find Cheaper Chevrolet Cobalt Insurance
Getting lower rates on insurance for a Chevrolet Cobalt requires being a low-risk driver, having a positive credit history, being claim-free, and qualifying for all possible discounts. Compare prices at every other renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
The items below are a condensed summary of the concepts that were touched on above.
- Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,310 more every year to insure their Cobalt
- Teen drivers are the costliest to insure, possibly costing $391 a month if full coverage is purchased
- You may be able to save up to $120 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $225 each year
- You may be able to save up to $120 per year simply by quoting online in advance
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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