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 rates for a Chevrolet Cobalt are $1,182 a year with full coverage. Comprehensive costs approximately $152 each year, collision insurance costs $238, and liability coverage costs $592. A policy with only liability insurance costs as little as $652 a year, and a high-risk policy costs around $2,556. Teen drivers pay the most at up to $4,892 a year.
Average premium for full coverage: $1,182
Premium estimates by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Cobalt models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Chevrolet Cobalt range from as low as $652 for just liability coverage to a high rate of $2,556 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how your location can change auto insurance prices.
These rate differences demonstrate why all drivers should compare rates using their specific location and risk profile, 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.
Detailed Rate Analysis
The chart below details average Chevrolet Cobalt insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $718
- Drivers who choose higher $1,000 deductibles will pay $88 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,182
- Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,354
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,556
- An auto insurance policy for full coverage for a teenage driver can cost $4,892 a year
Car insurance prices for a Chevrolet Cobalt also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $4,800 a year. View Rates by Age
Where you choose to live makes a big difference in Chevrolet Cobalt insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,590 on average in New York, Michigan, and Florida.
| 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% |
Choosing high deductibles could save up to $260 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $533 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost around 41% to 132% more than average. View High Risk Driver Rates
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 Find Cheaper Chevrolet Cobalt Insurance
Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and attention to physical damage deductibles. Invest the time to shop around at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a condensed summary of the concepts that were illustrated above.
- Drivers with multiple at-fault accidents pay on average $1,370 more per year for car insurance
- Teenagers pay the highest auto insurance prices, possibly costing $408 per month if full coverage is included
- You may be able to save around $130 per year just by quoting online in advance
- Increasing policy deductibles can save around $250 each year
- You may be able to save around $130 per year just by quoting online in advance
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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