Chevrolet Cobalt LT 2-Dr Coupe Insurance Rates

U.S. average insurance rates for a Chevrolet Cobalt LT 2-Dr Coupe are $1,614 a year for full coverage. Comprehensive costs on average $326, collision insurance costs $634, and liability insurance costs $454. Buying just liability costs as little as $538 a year, and insurance for high-risk drivers costs around $3,494. Teen drivers pay the highest rates at up to $6,056 a year.

Annual premium for full coverage: $1,614

Price estimates by type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Chevrolet Cobalt Trim Level

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on car insurance rates.

These price ranges show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance prices for a Chevrolet Cobalt LT 2-Dr Coupe are also quite variable based on your driving record, the model year of your Cobalt, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $6,000 a year. View Rates by Age

The state you live in makes a big difference in Chevrolet Cobalt LT 2-Dr Coupe insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $650 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase rates by as much as $408 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,900 to $2,600 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

Since rates can be so different, the only way to know exactly what you will pay is to compare rates from as many companies as possible. Every company uses a different rate calculation, and rates may be quite different from one company to the next.

View Chart as Image

Chart shows Chevrolet Cobalt LT 2-Dr Coupe insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $933. Drivers who choose higher $1,000 deductibles will pay around $1,398. The average rate for a 40-year-old male driver using $500 deductibles is $1,614. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $2,042. High risk drivers could be charged at least $3,494. The price for full coverage insurance for a teen driver is $6,056.

View Chart as Image