Chevrolet Cobalt Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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.
References
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,254 |
| $250 | $1,186 |
| $500 | $1,106 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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