Chevrolet Cobalt Insurance Rates

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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.

Estimated auto insurance rates for a Chevrolet Cobalt are $1,148 annually including full coverage. Comprehensive insurance costs on average $148, collision costs $214, and liability insurance costs around $586. Liability-only coverage costs as low as $646 a year, with high-risk coverage costing $2,474 or more. Teens pay the most at $4,766 a year or more.

Average premium for full coverage: $1,148

Premium estimates by type of coverage:

Comprehensive $148
Collision $214
Liability $586

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Cobalt models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Chevrolet Cobalt go from as cheap as $646 for liability-only coverage to the much higher price of $2,474 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location impacts car insurance rates.

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

These rate differences highlight why everyone should compare prices based on a specific location and their own personal driving habits, 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.

Additional Charts and Tables

The chart below breaks down estimated Chevrolet Cobalt insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $705
  • Using higher $1,000 deductibles will save around $84 every year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,148
  • Selecting pricier low deductibles for physical damage coverage costs an additional $156 a year
  • Drivers with serious driving violations could pay upwards of $2,474 or more
  • An auto insurance policy with full coverage for a teen driver for full coverage may cost $4,766 or more

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 also have a wide range based on the model of your Cobalt, your driving characteristics, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Chevrolet Cobalt insurance for high-risk drivers can be anywhere from 42% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $240 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $528 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Chevrolet Cobalt insurance rates. A driver around age 40 might see prices as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,640 on average in Michigan, New York, and Louisiana.

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

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company calculates prices differently, so the prices will be substantially 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 the Cheapest Chevrolet Cobalt Insurance

Finding better rates on Chevrolet Cobalt insurance requires avoiding accidents and violations, having a good credit history, refrain from filing small claims, and bundling your home and auto policies. Spend time shopping around every year by requesting rates from direct car insurance companies, and also from several local insurance agents.

The list below is a recap of the coverage data touched on above.

  • You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save up to $250 each year
  • Teenagers pay the highest prices, with the cost nearing $397 per month including comprehensive and collision insurance
  • High-risk drivers that have major violations or accidents pay on average $1,330 more each year for car insurance

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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