Chevrolet Bolt Insurance Rates
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UPDATED: Jun 6, 2023
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U.S. average insurance rates for a Chevrolet Bolt are $1,320 a year for full coverage. Comprehensive insurance costs approximately $260 a year, collision costs $446, and liability coverage is $456. A policy with just liability insurance costs around $508 a year, with coverage for high-risk drivers costing $2,858 or more. Teen drivers pay the highest rates at $5,040 a year or more.
Average premium for full coverage: $1,320
Price estimates by individual coverage:
Prices include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Bolt trim levels.
Price Range from Low to High
For a driver around age 40, Chevrolet Bolt insurance prices go from the low end price of $508 for liability-only coverage to a high of $2,858 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above show why it is important to compare rates quotes using their 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.
Additional Charts and Tables
The chart below shows estimated Chevrolet Bolt insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $767
- Raising to $1,000 deductibles will save $1,160 a year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,320
- Choosing low $100 deductibles will cost an additional $312 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,858 or more
- The price that insures a teenage driver can cost $5,040
Insurance prices for a Chevrolet Bolt are also quite variable based on the trim level of your Bolt, how you drive, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you could be paying anywhere from $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 135% more than average. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age
The state you live in also has a big influence on Chevrolet Bolt insurance rates. A middle-age driver might find prices as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,890 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles can reduce prices by up to $480 a year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, so the prices may be quite different.
| 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 Find the Right Chevrolet Bolt Insurance
Getting lower rates on auto insurance consists of being a good driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Shop around once a year by requesting rates from direct carriers, and also from insurance agencies where you live.
The following list is a quick rundown of the data that was covered above.
- Drivers can save around $160 per year simply by quoting early and online
- Consumers who purchase an increased level of liability coverage will pay about $500 each year to raise from a low limit to the 250/500 level
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $420 a month if full coverage is included
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,540 more per year than a safer driver
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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