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.
The average insurance prices for a Chevrolet Cobalt are $1,148 every 12 months including full coverage. Comprehensive insurance costs on average $148 a year, collision costs $214, and liability is estimated at $586. Buying just liability costs approximately $646 a year, with insurance for high-risk drivers costing $2,474 or more. Teens cost the most to insure at $4,766 a year or more.
Average premium for full coverage: $1,148
Policy rates by type of insurance:
Estimates include $500 deductible amounts, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Cobalt trim levels.
Price Range Variability
For the average 40-year-old driver, Chevrolet Cobalt insurance rates go from the cheapest price of $646 for just the minimum liability insurance to a high of $2,474 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on car insurance rates.
The examples above highlight why it is important to get quotes based on a specific location and their own driving history, instead of making a decision based 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 breaks down estimated Chevrolet Cobalt insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $705
- Choosing higher $1,000 deductibles can save around $1,064 every year
- The average price for a good driver age 40 with $500 deductibles is $1,148
- Selecting low $100 deductibles for comp and collision coverage costs an extra $156 annually
- Higher-risk drivers with serious driving violations could pay upwards of $2,474 or more
- Policy cost to insure a 16-year-old driver may cost $4,766 each year
Insurance rates for a Chevrolet Cobalt also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Cobalt.
Choosing higher comprehensive and collision insurance deductibles can save as much as $240 annually, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $528 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 136% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Chevrolet Cobalt insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,640 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,036 | -$112 | -9.8% |
| Alaska | $880 | -$268 | -23.3% |
| Arizona | $948 | -$200 | -17.4% |
| Arkansas | $1,148 | -$0 | 0.0% |
| California | $1,306 | $158 | 13.8% |
| Colorado | $1,096 | -$52 | -4.5% |
| Connecticut | $1,178 | $30 | 2.6% |
| Delaware | $1,298 | $150 | 13.1% |
| Florida | $1,430 | $282 | 24.6% |
| Georgia | $1,056 | -$92 | -8.0% |
| Hawaii | $822 | -$326 | -28.4% |
| Idaho | $776 | -$372 | -32.4% |
| Illinois | $852 | -$296 | -25.8% |
| Indiana | $864 | -$284 | -24.7% |
| Iowa | $776 | -$372 | -32.4% |
| Kansas | $1,086 | -$62 | -5.4% |
| Kentucky | $1,562 | $414 | 36.1% |
| Louisiana | $1,698 | $550 | 47.9% |
| Maine | $710 | -$438 | -38.2% |
| Maryland | $946 | -$202 | -17.6% |
| Massachusetts | $914 | -$234 | -20.4% |
| Michigan | $1,990 | $842 | 73.3% |
| Minnesota | $958 | -$190 | -16.6% |
| Mississippi | $1,374 | $226 | 19.7% |
| Missouri | $1,018 | -$130 | -11.3% |
| Montana | $1,234 | $86 | 7.5% |
| Nebraska | $902 | -$246 | -21.4% |
| Nevada | $1,374 | $226 | 19.7% |
| New Hampshire | $824 | -$324 | -28.2% |
| New Jersey | $1,280 | $132 | 11.5% |
| New Mexico | $1,014 | -$134 | -11.7% |
| New York | $1,204 | $56 | 4.9% |
| North Carolina | $660 | -$488 | -42.5% |
| North Dakota | $940 | -$208 | -18.1% |
| Ohio | $792 | -$356 | -31.0% |
| Oklahoma | $1,176 | $28 | 2.4% |
| Oregon | $1,050 | -$98 | -8.5% |
| Pennsylvania | $1,094 | -$54 | -4.7% |
| Rhode Island | $1,530 | $382 | 33.3% |
| South Carolina | $1,038 | -$110 | -9.6% |
| South Dakota | $966 | -$182 | -15.9% |
| Tennessee | $1,002 | -$146 | -12.7% |
| Texas | $1,380 | $232 | 20.2% |
| Utah | $850 | -$298 | -26.0% |
| Vermont | $784 | -$364 | -31.7% |
| Virginia | $686 | -$462 | -40.2% |
| Washington | $884 | -$264 | -23.0% |
| West Virginia | $1,052 | -$96 | -8.4% |
| Wisconsin | $794 | -$354 | -30.8% |
| Wyoming | $1,022 | -$126 | -11.0% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each auto insurer calculates rates differently, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Cobalt LS 4-Dr Sedan | $1,030 | $86 |
| Chevrolet Cobalt XFE 4-Dr Sedan | $1,030 | $86 |
| Chevrolet Cobalt LS 2-Dr Coupe | $1,130 | $94 |
| Chevrolet Cobalt LT 4-Dr Sedan | $1,066 | $89 |
| Chevrolet Cobalt XFE 2-Dr Coupe | $1,130 | $94 |
| Chevrolet Cobalt LT 2-Dr Coupe | $1,154 | $96 |
| Chevrolet Cobalt SS Turbo 2-Dr Coupe | $1,222 | $102 |
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 | $152 | $238 | $592 | $1,182 |
| 2009 Chevrolet Cobalt | $148 | $214 | $586 | $1,148 |
| 2008 Chevrolet Cobalt | $146 | $208 | $574 | $1,128 |
| 2007 Chevrolet Cobalt | $144 | $198 | $564 | $1,106 |
| 2006 Chevrolet Cobalt | $132 | $190 | $558 | $1,080 |
| 2005 Chevrolet Cobalt | $126 | $180 | $554 | $1,060 |
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 Low Cost Chevrolet Cobalt Insurance
Finding cheaper rates on insurance for a Chevrolet Cobalt takes having a good driving record, having good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Make time to compare rates at least once a year by getting price quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The next list is a review of the primary concepts that were touched on in this article.
- You may be able to save as much as $130 per year simply by quoting early and online
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,330 more each year to buy Chevrolet Cobalt insurance
- Increasing comprehensive and collision deductibles could save as much as $250 each year
- Drivers age 20 and younger pay the highest rates, with premiums being up to $397 each month if they have full coverage
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 | $4,766 |
| 20 | $2,642 |
| 30 | $1,154 |
| 40 | $1,148 |
| 50 | $1,054 |
| 60 | $1,032 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,304 |
| $250 | $1,232 |
| $500 | $1,148 |
| $1,000 | $1,064 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,148 |
| 50/100 | $1,339 |
| 100/300 | $1,486 |
| 250/500 | $1,867 |
| 100 CSL | $1,398 |
| 300 CSL | $1,720 |
| 500 CSL | $1,955 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,692 |
| 20 | $4,214 |
| 30 | $2,486 |
| 40 | $2,474 |
| 50 | $2,372 |
| 60 | $2,346 |
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 | $57 |
| Multi-vehicle | $63 |
| Homeowner | $21 |
| 5-yr Accident Free | $67 |
| 5-yr Claim Free | $71 |
| Paid in Full/EFT | $39 |
| Advance Quote | $49 |
| Online Quote | $76 |
| Total Discounts | $443 |
Discounts are estimated and may not be available from every company or in every state.
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