Chevrolet Bolt Insurance Rates
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UPDATED: Jun 6, 2023
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Average auto insurance rates for a Chevrolet Bolt are $1,320 annually including full coverage. Comprehensive costs around $260 a year, collision costs $446, and liability costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing around $2,858. Teen drivers receive the highest rates at $5,040 a year or more.
Average premium for full coverage: $1,320
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Bolt trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $508 for liability-only coverage to a high of $2,858 for a driver that may need high-risk insurance.
Price Range by Location
Your location can have significant affects on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
These examples highlight why it is important to compare rates for a specific zip code and their own personal driving habits, instead of 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.
Additional Charts and Tables
The chart below breaks down estimated Chevrolet Bolt insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $767
- Drivers who choose higher $1,000 deductibles will pay about $1,160 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,320
- Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,632
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,858 or more
- The cost with full coverage for a teen driver can be $5,040 a year
Auto insurance rates for a Chevrolet Bolt can also vary considerably based on the trim level of your Bolt, your driving characteristics, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $480 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Chevrolet Bolt insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,890 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,194 | -$126 | -9.5% |
| Alaska | $1,014 | -$306 | -23.2% |
| Arizona | $1,096 | -$224 | -17.0% |
| Arkansas | $1,320 | -$0 | 0.0% |
| California | $1,506 | $186 | 14.1% |
| Colorado | $1,262 | -$58 | -4.4% |
| Connecticut | $1,356 | $36 | 2.7% |
| Delaware | $1,496 | $176 | 13.3% |
| Florida | $1,652 | $332 | 25.2% |
| Georgia | $1,218 | -$102 | -7.7% |
| Hawaii | $948 | -$372 | -28.2% |
| Idaho | $892 | -$428 | -32.4% |
| Illinois | $984 | -$336 | -25.5% |
| Indiana | $994 | -$326 | -24.7% |
| Iowa | $892 | -$428 | -32.4% |
| Kansas | $1,254 | -$66 | -5.0% |
| Kentucky | $1,802 | $482 | 36.5% |
| Louisiana | $1,954 | $634 | 48.0% |
| Maine | $816 | -$504 | -38.2% |
| Maryland | $1,088 | -$232 | -17.6% |
| Massachusetts | $1,056 | -$264 | -20.0% |
| Michigan | $2,296 | $976 | 73.9% |
| Minnesota | $1,106 | -$214 | -16.2% |
| Mississippi | $1,582 | $262 | 19.8% |
| Missouri | $1,170 | -$150 | -11.4% |
| Montana | $1,420 | $100 | 7.6% |
| Nebraska | $1,040 | -$280 | -21.2% |
| Nevada | $1,584 | $264 | 20.0% |
| New Hampshire | $952 | -$368 | -27.9% |
| New Jersey | $1,476 | $156 | 11.8% |
| New Mexico | $1,170 | -$150 | -11.4% |
| New York | $1,392 | $72 | 5.5% |
| North Carolina | $762 | -$558 | -42.3% |
| North Dakota | $1,080 | -$240 | -18.2% |
| Ohio | $912 | -$408 | -30.9% |
| Oklahoma | $1,356 | $36 | 2.7% |
| Oregon | $1,210 | -$110 | -8.3% |
| Pennsylvania | $1,260 | -$60 | -4.5% |
| Rhode Island | $1,762 | $442 | 33.5% |
| South Carolina | $1,196 | -$124 | -9.4% |
| South Dakota | $1,114 | -$206 | -15.6% |
| Tennessee | $1,156 | -$164 | -12.4% |
| Texas | $1,590 | $270 | 20.5% |
| Utah | $978 | -$342 | -25.9% |
| Vermont | $906 | -$414 | -31.4% |
| Virginia | $792 | -$528 | -40.0% |
| Washington | $1,020 | -$300 | -22.7% |
| West Virginia | $1,210 | -$110 | -8.3% |
| Wisconsin | $916 | -$404 | -30.6% |
| Wyoming | $1,178 | -$142 | -10.8% |
With so much variability in rates, the best way to figure out your exact price is to get quotes and see which company has the best rate. Every company uses a different rate calculation, and quoted rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Chevrolet Bolt | $298 | $530 | $430 | $1,416 |
| 2017 Chevrolet Bolt | $260 | $446 | $456 | $1,320 |
Rates are averaged for all Chevrolet Bolt 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 Cheaper Chevrolet Bolt Insurance
Saving money on car insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The points below are a condensed summary of the data that was covered above.
- You may be able to save up to $160 per year simply by quoting early and online
- Policyholders who may need increased liability limits will pay about $500 per year to go from a minimum limit to higher 250/500 limits
- Drivers under the age of 20 are expensive to insure, as much as $420 per month if full coverage is included
- Higher risk drivers with multiple at-fault accidents may pay on average $1,540 more every year to insure a Chevrolet Bolt
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,040 |
| 20 | $3,044 |
| 30 | $1,368 |
| 40 | $1,320 |
| 50 | $1,206 |
| 60 | $1,184 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,632 |
| $250 | $1,488 |
| $500 | $1,320 |
| $1,000 | $1,160 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,320 |
| 50/100 | $1,411 |
| 100/300 | $1,525 |
| 250/500 | $1,822 |
| 100 CSL | $1,457 |
| 300 CSL | $1,708 |
| 500 CSL | $1,890 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,172 |
| 20 | $4,850 |
| 30 | $2,908 |
| 40 | $2,858 |
| 50 | $2,732 |
| 60 | $2,708 |
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 | $70 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $553 |
Discounts are estimated and may not be available from every company or in every state.
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