Chevrolet Cobalt Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 auto insurance rates for a Chevrolet Cobalt are $1,148 annually for full coverage insurance. Comprehensive insurance costs on average $148, collision costs $214, and liability coverage is estimated at $586. A policy with only liability insurance costs approximately $646 a year, with a high-risk policy costing $2,474 or more. Teen drivers pay the most at $4,766 a year or more.
Average premium for full coverage: $1,148
Premium estimates by type of coverage:
These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Cobalt models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Chevrolet Cobalt go from as cheap as $646 for a discount liability-only rate to the much higher price of $2,474 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city has a large influence on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas.
The example below illustrates the effect of geographic area on car insurance rates.
These rate differences illustrate why everyone should get quotes based on a specific location and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below illustrates estimated Chevrolet Cobalt insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $705
- Choosing higher $1,000 deductibles can save around $84 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,148
- Choosing pricier low deductibles for comp and collision coverage costs an additional $156 each year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,474 or more
- An auto insurance policy with full coverage for a teenage driver for full coverage may cost $4,766 each year
Car insurance prices for a Chevrolet Cobalt also have a wide range based on the model of your Cobalt, your risk profile, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Chevrolet Cobalt insurance for high-risk drivers ranges around 42% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $240 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $528 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Chevrolet Cobalt insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,550 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes will be substantially different between companies.
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 Buy Cheap Chevrolet Cobalt Insurance
Finding better rates on auto insurance takes being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates at least every other year by requesting quotes from direct insurance companies, and also from local exclusive and independent agents.
The items below are a brief summary of the car insurance concepts covered in the above illustrations.
- Drivers that tend to have accidents or serious violations may pay on average $1,330 more each year to insure their Cobalt
- It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $250 each year
- Consumers who require more liability coverage will pay about $650 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
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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