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 rates for a Chevrolet Cobalt are $1,148 a year including full coverage. Comprehensive insurance costs on average $148, collision insurance costs $214, and liability costs around $586. Liability-only coverage costs as low as $646 a year, and high-risk coverage costs $2,474 or more. Teen drivers cost the most to insure at up to $4,766 a year.
Average premium for full coverage: $1,148
Policy rates by type of insurance:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Cobalt models.
Price Range Variability
For the average driver, Chevrolet Cobalt insurance rates range from as low as $646 for just liability insurance to the much higher price of $2,474 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts car insurance rates.
The examples above highlight why everyone should compare prices based on a specific location and risk profile, 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.
More Rate Details
The chart below breaks down average Chevrolet Cobalt insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $705
- Using higher $1,000 deductibles will save around $84 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,148
- Choosing pricier low deductibles for physical damage coverage will cost an extra $156 every year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,474
- Policy cost for full coverage for a teen driver for full coverage may cost $4,766 or more
Insurance rates for a Chevrolet Cobalt also range considerably based on your risk profile, the model of your Cobalt, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age
Your home state has a huge impact on Chevrolet Cobalt insurance prices. A driver around age 40 might see rates as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or as much as $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% |
Choosing high deductibles could cut rates by as much as $240 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $528 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 additional every year, depending on your age. Chevrolet Cobalt insurance for high-risk drivers can be as much as 42% to 136% 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 | $1,030 | $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 Find Affordable Chevrolet Cobalt Insurance
Finding cheaper rates on car insurance requires being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Spend time shopping around at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief review of the primary concepts that were touched on above.
- You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,330 more each year than a low-risk driver
- Increasing comprehensive and collision deductibles can save around $250 each year
- Youthful drivers pay higher rates, with premiums being up to $397 each month including comprehensive and collision insurance
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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