Chevrolet Cobalt Insurance Rates

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Cheapest 2005 Chevrolet Cobalt Insurance Rates in 2025

Finding cheaper insurance for your 2005 Chevy Cobalt can be difficult, but you can learn the following methods to make it easier. There are more efficient ways to find insurance coverage online and we'll show you the quickest way to obtain quotes on your sedan and pinpoint the lowest price from both online companies and local agents. Choosing the best insurance company for you is not rocket sci...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

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 $1,148 annually for full coverage. Comprehensive insurance costs around $148 each year, collision costs $214, and liability is $586. A policy with just liability insurance costs around $646 a year, with coverage for high-risk drivers costing $2,474 or more. Teenage drivers pay the highest rates at $4,766 a year or more.

Average premium for full coverage: $1,148

Price estimates for individual coverage:

Comprehensive $148
Collision $214
Liability $586

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Cobalt models.

Price Range from Low to High

For the average 40-year-old driver, Chevrolet Cobalt insurance prices go from as cheap as $646 for just the minimum liability insurance to a high rate of $2,474 for a high-risk insurance policy.

Liability Only $646
Full Coverage $1,148
High Risk $2,474

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance rates.

Rural Areas $861
Small Cities $1,205
Large Cities $1,550

The ranges above show why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of using 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.

Additional Rate Analysis

The chart below shows estimated Chevrolet Cobalt insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $705
  • Raising to $1,000 deductibles will save about $84 a year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,148
  • Using low deductibles costs an additional $156 every year
  • At-risk drivers who are prone to accidents and violations could pay at least $2,474 or more
  • The price with full coverage for a teen driver can be $4,766

View Chart as Image

Chevrolet Cobalt insurance cost comparison chart
Column chart showing full coverage Chevrolet Cobalt insurance prices range from $705 to $4,766

Insurance prices for a Chevrolet Cobalt are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $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 can expect to pay as much as $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $240 every year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $528 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Chevrolet Cobalt insurance prices. A middle-age driver might find prices as low as $760 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,640 on average in Michigan, Louisiana, and New York.

Chevrolet Cobalt Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,036 -$112 -9.8%
Alaska $880 -$268 -23.3%
Arizona $948 -$200 -17.4%
Arkansas $1,148 -$0 0.0%
California $1,306 $158 13.8%
Colorado $1,096 -$52 -4.5%
Connecticut $1,178 $30 2.6%
Delaware $1,298 $150 13.1%
Florida $1,430 $282 24.6%
Georgia $1,056 -$92 -8.0%
Hawaii $822 -$326 -28.4%
Idaho $776 -$372 -32.4%
Illinois $852 -$296 -25.8%
Indiana $864 -$284 -24.7%
Iowa $776 -$372 -32.4%
Kansas $1,086 -$62 -5.4%
Kentucky $1,562 $414 36.1%
Louisiana $1,698 $550 47.9%
Maine $710 -$438 -38.2%
Maryland $946 -$202 -17.6%
Massachusetts $914 -$234 -20.4%
Michigan $1,990 $842 73.3%
Minnesota $958 -$190 -16.6%
Mississippi $1,374 $226 19.7%
Missouri $1,018 -$130 -11.3%
Montana $1,234 $86 7.5%
Nebraska $902 -$246 -21.4%
Nevada $1,374 $226 19.7%
New Hampshire $824 -$324 -28.2%
New Jersey $1,280 $132 11.5%
New Mexico $1,014 -$134 -11.7%
New York $1,204 $56 4.9%
North Carolina $660 -$488 -42.5%
North Dakota $940 -$208 -18.1%
Ohio $792 -$356 -31.0%
Oklahoma $1,176 $28 2.4%
Oregon $1,050 -$98 -8.5%
Pennsylvania $1,094 -$54 -4.7%
Rhode Island $1,530 $382 33.3%
South Carolina $1,038 -$110 -9.6%
South Dakota $966 -$182 -15.9%
Tennessee $1,002 -$146 -12.7%
Texas $1,380 $232 20.2%
Utah $850 -$298 -26.0%
Vermont $784 -$364 -31.7%
Virginia $686 -$462 -40.2%
Washington $884 -$264 -23.0%
West Virginia $1,052 -$96 -8.4%
Wisconsin $794 -$354 -30.8%
Wyoming $1,022 -$126 -11.0%

View Chart as Image

Chevrolet Cobalt insurance rates by U.S. city

Since prices can be so different, the only way to know your exact price is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Chevrolet Cobalt Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Chevrolet Cobalt LS 4-Dr Sedan $1,030 $86
Chevrolet Cobalt XFE 4-Dr Sedan $1,030 $86
Chevrolet Cobalt LS 2-Dr Coupe $1,130 $94
Chevrolet Cobalt LT 4-Dr Sedan $1,066 $89
Chevrolet Cobalt XFE 2-Dr Coupe $1,130 $94
Chevrolet Cobalt LT 2-Dr Coupe $1,154 $96
Chevrolet Cobalt SS Turbo 2-Dr Coupe $1,222 $102

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.

Chevrolet Cobalt Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Chevrolet Cobalt $152 $238 $592 $1,182
2009 Chevrolet Cobalt $148 $214 $586 $1,148
2008 Chevrolet Cobalt $146 $208 $574 $1,128
2007 Chevrolet Cobalt $144 $198 $564 $1,106
2006 Chevrolet Cobalt $132 $190 $558 $1,080
2005 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 More Affordable Chevrolet Cobalt Insurance

Getting lower rates on car insurance consists of having a decent driving record, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at least every other year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a summary of the car insurance concepts touched on in this article.

  • Higher risk drivers who have multiple accidents or major violations pay an average of $1,330 more every year than a driver with a clean driving record
  • Drivers can save up to $130 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save up to $250 each year
  • Policyholders who may need additional liability coverage will pay an extra $650 each year to raise from a low limit to higher 250/500 limits

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

  1. https://www.iihs.org/ratings/vehicle/Chevrolet/cobalt-2-door-coupe/2010

Rates by Driver Age

Chevrolet Cobalt Insurance Rates by Driver Age
Driver Age Premium
16 $4,766
20 $2,642
30 $1,154
40 $1,148
50 $1,054
60 $1,032

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Cobalt Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,304
$250 $1,232
$500 $1,148
$1,000 $1,064

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cobalt Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,148
50/100 $1,339
100/300 $1,486
250/500 $1,867
100 CSL $1,398
300 CSL $1,720
500 CSL $1,955

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Cobalt Insurance Rates for High Risk Drivers
Age Premium
16 $6,692
20 $4,214
30 $2,486
40 $2,474
50 $2,372
60 $2,346

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.

SR-22 Surcharge $155

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $57
Multi-vehicle $63
Homeowner $21
5-yr Accident Free $67
5-yr Claim Free $71
Paid in Full/EFT $39
Advance Quote $49
Online Quote $76
Total Discounts $443
Rate after discounts $705

Discounts are estimated and may not be available from every company or in every state.

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