Chevrolet Cobalt Insurance Rates
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UPDATED: Jun 5, 2023
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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.
Estimated insurance prices for a Chevrolet Cobalt are $1,182 every 12 months with full coverage. Comprehensive insurance costs on average $152, collision insurance costs $238, and liability insurance is $592. A policy with only liability insurance costs around $652 a year, and a high-risk policy costs $2,556 or more. Teens pay the most at up to $4,892 a year.
Average premium for full coverage: $1,182
Premium estimates by type of coverage:
Full coverage includes $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for all Cobalt models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Chevrolet Cobalt range from the cheapest price of $652 for just the minimum liability insurance to the much higher price of $2,556 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how location helps determine car insurance rates.
These rate differences demonstrate why everyone should compare rates quotes based on a specific location and their own driving history, rather than relying on averaged prices.
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 Rate Analysis
The chart below details average Chevrolet Cobalt insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $718
- Raising to $1,000 deductibles will save around $88 annually
- The average price for a 40-year-old good driver with $500 deductibles is $1,182
- Selecting pricier low deductibles costs an extra $172 a year
- Higher-risk drivers with serious driving violations could pay upwards of $2,556
- An auto insurance policy to insure a teen driver for full coverage may cost $4,892
Car insurance prices for a Chevrolet Cobalt also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Cobalt.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $260 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $533 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,400 to $2,000 extra annually, depending on your age. Chevrolet Cobalt insurance for high-risk drivers is expensive and can cost anywhere from 41% to 132% more than the average policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Chevrolet Cobalt insurance rates. A middle-age driver might find prices as low as $850 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,590 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,066 | -$116 | -9.8% |
| Alaska | $906 | -$276 | -23.4% |
| Arizona | $978 | -$204 | -17.3% |
| Arkansas | $1,182 | -$0 | 0.0% |
| California | $1,344 | $162 | 13.7% |
| Colorado | $1,126 | -$56 | -4.7% |
| Connecticut | $1,212 | $30 | 2.5% |
| Delaware | $1,334 | $152 | 12.9% |
| Florida | $1,474 | $292 | 24.7% |
| Georgia | $1,090 | -$92 | -7.8% |
| Hawaii | $846 | -$336 | -28.4% |
| Idaho | $800 | -$382 | -32.3% |
| Illinois | $878 | -$304 | -25.7% |
| Indiana | $892 | -$290 | -24.5% |
| Iowa | $800 | -$382 | -32.3% |
| Kansas | $1,122 | -$60 | -5.1% |
| Kentucky | $1,608 | $426 | 36.0% |
| Louisiana | $1,748 | $566 | 47.9% |
| Maine | $728 | -$454 | -38.4% |
| Maryland | $974 | -$208 | -17.6% |
| Massachusetts | $942 | -$240 | -20.3% |
| Michigan | $2,050 | $868 | 73.4% |
| Minnesota | $988 | -$194 | -16.4% |
| Mississippi | $1,412 | $230 | 19.5% |
| Missouri | $1,046 | -$136 | -11.5% |
| Montana | $1,270 | $88 | 7.4% |
| Nebraska | $930 | -$252 | -21.3% |
| Nevada | $1,416 | $234 | 19.8% |
| New Hampshire | $850 | -$332 | -28.1% |
| New Jersey | $1,318 | $136 | 11.5% |
| New Mexico | $1,046 | -$136 | -11.5% |
| New York | $1,240 | $58 | 4.9% |
| North Carolina | $678 | -$504 | -42.6% |
| North Dakota | $968 | -$214 | -18.1% |
| Ohio | $816 | -$366 | -31.0% |
| Oklahoma | $1,210 | $28 | 2.4% |
| Oregon | $1,082 | -$100 | -8.5% |
| Pennsylvania | $1,126 | -$56 | -4.7% |
| Rhode Island | $1,574 | $392 | 33.2% |
| South Carolina | $1,070 | -$112 | -9.5% |
| South Dakota | $994 | -$188 | -15.9% |
| Tennessee | $1,034 | -$148 | -12.5% |
| Texas | $1,422 | $240 | 20.3% |
| Utah | $876 | -$306 | -25.9% |
| Vermont | $806 | -$376 | -31.8% |
| Virginia | $706 | -$476 | -40.3% |
| Washington | $912 | -$270 | -22.8% |
| West Virginia | $1,082 | -$100 | -8.5% |
| Wisconsin | $818 | -$364 | -30.8% |
| Wyoming | $1,052 | -$130 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Cobalt LS 4-Dr Sedan | $1,060 | $88 |
| Chevrolet Cobalt XFE 4-Dr Sedan | $1,060 | $88 |
| Chevrolet Cobalt LS 2-Dr Coupe | $1,164 | $97 |
| Chevrolet Cobalt LT 4-Dr Sedan | $1,098 | $92 |
| Chevrolet Cobalt XFE 2-Dr Coupe | $1,164 | $97 |
| Chevrolet Cobalt LT 2-Dr Coupe | $1,190 | $99 |
| Chevrolet Cobalt SS Turbo 2-Dr Coupe | $1,262 | $105 |
Rates assume 2009 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 | $162 | $262 | $592 | $1,216 |
| 2009 Chevrolet Cobalt | $152 | $238 | $592 | $1,182 |
| 2008 Chevrolet Cobalt | $148 | $214 | $586 | $1,148 |
| 2007 Chevrolet Cobalt | $146 | $208 | $574 | $1,128 |
| 2006 Chevrolet Cobalt | $144 | $198 | $564 | $1,106 |
| 2005 Chevrolet Cobalt | $132 | $190 | $558 | $1,080 |
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 Shop for More Affordable Chevrolet Cobalt Insurance
Finding better rates on Chevrolet Cobalt insurance consists of not taking risks behind the wheel, maintaining a good credit score, being claim-free, and possibly raising deductibles. Invest time comparing rates at least every other year by requesting quotes from direct companies, and also from local exclusive and independent agents.
The following is a summary of the car insurance concepts covered in the charts and tables above.
- High-risk drivers who have multiple accidents or major violations may pay on average $1,370 more each year for Cobalt insurance
- You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $250 each year
- Drivers who require higher liability limits will pay approximately $650 every year to raise from 30/60 bodily injury limits to a 250/500 level
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 | $4,892 |
| 20 | $2,732 |
| 30 | $1,192 |
| 40 | $1,182 |
| 50 | $1,086 |
| 60 | $1,064 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,354 |
| $250 | $1,274 |
| $500 | $1,182 |
| $1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,182 |
| 50/100 | $1,380 |
| 100/300 | $1,528 |
| 250/500 | $1,913 |
| 100 CSL | $1,440 |
| 300 CSL | $1,765 |
| 500 CSL | $2,002 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,878 |
| 20 | $4,356 |
| 30 | $2,570 |
| 40 | $2,556 |
| 50 | $2,450 |
| 60 | $2,422 |
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 | $59 |
| Multi-vehicle | $66 |
| Homeowner | $22 |
| 5-yr Accident Free | $71 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $41 |
| Advance Quote | $52 |
| Online Quote | $79 |
| Total Discounts | $464 |
Discounts are estimated and may not be available from every company or in every state.
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