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.
Average insurance rates for a Chevrolet Cobalt are $1,148 a year including full coverage. Comprehensive insurance costs an estimated $148, collision insurance costs $214, and liability insurance costs $586. Liability-only coverage costs as little as $646 a year, and high-risk coverage costs $2,474 or more. Teens receive the highest rates at up to $4,766 a year.
Average premium for full coverage: $1,148
Rate estimates broken down by individual coverage type:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Cobalt trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $646 for just the minimum liability insurance to a much higher rate of $2,474 for high-risk insurance.
Price Range by Location
Your location has a significant impact on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how location helps determine insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates for a targeted area, 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 Rate Analysis
The chart below breaks down average Chevrolet Cobalt insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $705
- Drivers who choose higher $1,000 deductibles will pay approximately $84 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,148
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $156 a year
- High risk drivers with serious driving violations could pay up to $2,474
- The cost that insures a teen driver with full coverage can cost as much as $4,766 a year
Car insurance rates for a Chevrolet Cobalt can also vary considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 136% more than the average policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age
Where you live makes a big difference in Chevrolet Cobalt insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,640 on average in Louisiana, New York, and Michigan.
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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $240 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $528 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
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.
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 Find More Affordable Chevrolet Cobalt Insurance
Saving money on Chevrolet Cobalt insurance not only requires avoiding accidents and claims, but also having a positive credit history, not filing small claims, and possibly higher deductibles. Compare rates every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The points below are a summary of the material that was covered in the charts and tables above.
- Drivers who want increased liability limits will pay approximately $650 per year to go from a minimum limit to the 250/500 level
- Drivers under the age of 20 have the highest car insurance rates, as much as $397 per month if full coverage is purchased
- High-risk drivers who have multiple accidents or major violations could be charged and average of $1,330 more annually to insure a Chevrolet Cobalt
- Increasing deductibles can save approximately $250 each year
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 | $4,766 |
20 | $2,642 |
30 | $1,154 |
40 | $1,148 |
50 | $1,054 |
60 | $1,032 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,304 |
$250 | $1,232 |
$500 | $1,148 |
$1,000 | $1,064 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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