Chevrolet Cobalt Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 27, 2022

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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 $1,106 a year including full coverage. Comprehensive insurance costs on average $144 a year, collision insurance costs $198, and liability coverage is $564. Buying just liability costs around $628 a year, and insurance for high-risk drivers costs $2,380 or more. Teen drivers receive the highest rates at up to $4,596 a year.

Average premium for full coverage: $1,106

Rate estimates by individual coverage type:

Comprehensive $144
Collision $198
Liability $564

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Cobalt trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from the low end price of $628 for your basic liability-only policy to a high of $2,380 for a policy for a high-risk driver.

Liability Only $628
Full Coverage $1,106
High Risk $2,380

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects car insurance rates.

Rural Areas $830
Small Cities $1,161
Large Cities $1,493

These examples highlight why it is important to compare rates quotes based on a specific location, rather than using price 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.

More Rate Information

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

  • The lowest rate with discounts is $684
  • Raising to $1,000 deductibles will save around $1,026 every year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,106
  • Choosing low $100 deductibles will cost an additional $148 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,380
  • The cost that insures a teenage driver may cost $4,596

View Chart as Image

Chevrolet Cobalt insurance cost comparison chart
Column chart showing Chevrolet Cobalt insurance prices range from $684 to $4,596 for full coverage

Auto insurance rates for a Chevrolet Cobalt can also vary considerably based on the trim level of your Cobalt, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,300 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 131% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay upwards of $4,500 a year. View Rates by Age

Where you live also has a big influence on Chevrolet Cobalt insurance rates. A middle-age driver might find rates as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,580 on average in Michigan, New York, and Louisiana.

Chevrolet Cobalt Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,000 -$106 -9.6%
Alaska $846 -$260 -23.5%
Arizona $914 -$192 -17.4%
Arkansas $1,106 -$0 0.0%
California $1,258 $152 13.7%
Colorado $1,054 -$52 -4.7%
Connecticut $1,136 $30 2.7%
Delaware $1,250 $144 13.0%
Florida $1,378 $272 24.6%
Georgia $1,018 -$88 -8.0%
Hawaii $790 -$316 -28.6%
Idaho $750 -$356 -32.2%
Illinois $822 -$284 -25.7%
Indiana $834 -$272 -24.6%
Iowa $746 -$360 -32.5%
Kansas $1,048 -$58 -5.2%
Kentucky $1,508 $402 36.3%
Louisiana $1,636 $530 47.9%
Maine $682 -$424 -38.3%
Maryland $912 -$194 -17.5%
Massachusetts $880 -$226 -20.4%
Michigan $1,918 $812 73.4%
Minnesota $924 -$182 -16.5%
Mississippi $1,324 $218 19.7%
Missouri $980 -$126 -11.4%
Montana $1,188 $82 7.4%
Nebraska $868 -$238 -21.5%
Nevada $1,324 $218 19.7%
New Hampshire $796 -$310 -28.0%
New Jersey $1,234 $128 11.6%
New Mexico $978 -$128 -11.6%
New York $1,162 $56 5.1%
North Carolina $634 -$472 -42.7%
North Dakota $906 -$200 -18.1%
Ohio $764 -$342 -30.9%
Oklahoma $1,132 $26 2.4%
Oregon $1,012 -$94 -8.5%
Pennsylvania $1,054 -$52 -4.7%
Rhode Island $1,472 $366 33.1%
South Carolina $1,000 -$106 -9.6%
South Dakota $932 -$174 -15.7%
Tennessee $968 -$138 -12.5%
Texas $1,332 $226 20.4%
Utah $820 -$286 -25.9%
Vermont $756 -$350 -31.6%
Virginia $662 -$444 -40.1%
Washington $854 -$252 -22.8%
West Virginia $1,014 -$92 -8.3%
Wisconsin $766 -$340 -30.7%
Wyoming $984 -$122 -11.0%

View Chart as Image

Chevrolet Cobalt insurance rates by U.S. city

Choosing high deductibles can reduce rates by up to $230 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $507 extra every year. View Rates by Deductible or Liability Limit

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 $992 $83
Chevrolet Cobalt XFE 4-Dr Sedan $992 $83
Chevrolet Cobalt LS 2-Dr Coupe $1,088 $91
Chevrolet Cobalt LT 4-Dr Sedan $1,024 $85
Chevrolet Cobalt XFE 2-Dr Coupe $1,088 $91
Chevrolet Cobalt LT 2-Dr Coupe $1,112 $93
Chevrolet Cobalt SS Turbo 2-Dr Coupe $1,178 $98

Rates assume 2005 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 $174 $286 $596 $1,256
2009 Chevrolet Cobalt $162 $262 $592 $1,216
2008 Chevrolet Cobalt $152 $238 $592 $1,182
2007 Chevrolet Cobalt $148 $214 $586 $1,148
2006 Chevrolet Cobalt $146 $208 $574 $1,128
2005 Chevrolet Cobalt $144 $198 $564 $1,106

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 the Best Chevrolet Cobalt Insurance

Saving money on auto insurance consists of having a decent driving record, maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Shop around every year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a brief recap of the coverage data touched on in the above illustrations.

  • You may be able to save as much as $120 per year just by quoting early and online
  • Increasing deductibles can save approximately $225 each year
  • 16 to 18-year-old drivers are charged the highest rates, as much as $383 per month if the policy includes full coverage
  • Drivers who tend to receive serious violations could be forced to pay on average $1,270 more each year than a driver with a clean driving record

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.



Rates by Driver Age

Chevrolet Cobalt Insurance Rates by Driver Age
Driver Age Premium
16 $4,596
20 $2,544
30 $1,114
40 $1,106
50 $1,016
60 $994

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Cobalt Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,254
$250 $1,186
$500 $1,106
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cobalt Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,106
50/100 $1,291
100/300 $1,432
250/500 $1,798
100 CSL $1,347
300 CSL $1,657
500 CSL $1,883

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Cobalt Insurance Rates for High Risk Drivers
Age Premium
16 $6,450
20 $4,052
30 $2,390
40 $2,380
50 $2,282
60 $2,254

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 $147

Potential Rate Discounts

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

Discount Savings
Multi-policy $54
Multi-vehicle $60
Homeowner $20
5-yr Accident Free $64
5-yr Claim Free $68
Paid in Full/EFT $37
Advance Quote $47
Online Quote $72
Total Discounts $422
Rate after discounts $684

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

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