How Much are Chevrolet Cobalt Insurance Rates?

Car insurance rates for a Chevrolet Cobalt average $1,342 a year, or around $112 a month. Mature drivers with good driving records may find rates as low as $789 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2020

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Key Takeaways:

  • Full coverage costs around $1,342 a year or $112 each month
  • A liability-only policy costs around $538 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,905 a year or $409 each month
  • Good drivers can save as much as $553 a year by earning policy discounts
  • Chevrolet Cobalt insurance costs around $177 less per year than the average vehicle

Chevrolet Cobalt insurance rates cost drivers an average of $1,342 a year, or around $112 per month. Good drivers can save up to $553 on Chevrolet Cobalt rates by qualifying for policy discounts.

Learn helpful tips right here in this guide to start researching Chevrolet Cobalt insurance rates that you can feel confident about.

You can start comparing quotes for Chevrolet Cobalt car insurance rates from some of the best car insurance companies by using our free online tool now.

Chevrolet Cobalt Insurance Cost

The average Chevrolet Cobalt car insurance rates are $1,342 a year or $112 a month.

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Are Chevrolet Cobalts Expensive to Insure?

The chart below details how Chevrolet Cobalt insurance rates compare to other sedans like the Ford Focus, Toyota Camry, and Subaru WRX.

Vehicle Comprehensive Collision Liability Total
Ford Focus $244 $536 $398 $1,336
Toyota Camry $294 $570 $390 $1,412
Subaru WRX $320 $566 $338 $1,360
Hyundai Sonata $294 $532 $420 $1,426
Hyundai Elantra $280 $562 $372 $1,372
Toyota Corolla $294 $542 $390 $1,384
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However, there are a few things you can do to find the cheapest Chevrolet insurance rates online.

What Impacts the Cost of Chevrolet Cobalt Insurance?

The Chevrolet Cobalt trim and model you choose will affect the total price you will pay for Chevrolet Cobalt insurance coverage.

Age of the Vehicle

Older Chevrolet Cobalt models generally cost less to insure. For example, car insurance rates for a 2010 Chevrolet Cobalt are $1,342, while 2010 Chevrolet Cobalt rates are $1,342, a difference of $.

Model Year Comprehensive Collision Liability Total
2010 Chevrolet Cobalt $198 $364 $580 $1,342
2010 Chevrolet Cobalt $198 $364 $580 $1,342
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Driver Age

Driver age can have a significant impact on the cost of Chevrolet Cobalt auto insurance. For example, 20-year-old drivers pay as much as $1,700 more each year for their Chevrolet Cobalt auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Chevrolet Cobalt insurance rates. For example, drivers in New York may pay $349 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of Chevrolet Cobalt auto insurance. Teens and drivers in their 20’s see the highest jump in their Chevrolet Cobalt car insurance with violations on their driving record.

Chevrolet Cobalt Safety Ratings

Your Chevrolet Cobalt auto insurance rates are influenced by the Chevrolet Cobalt’s safety ratings. See the breakdown below:

Test Type Rating
Moderate overlap front Good
Side Acceptable
Roof strength N/R
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Chevrolet Cobalt Crash Test Ratings

Good Chevrolet Cobalt crash test ratings can lower your Chevrolet Cobalt auto insurance rates. See Chevrolet Cobalt crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Chevrolet Cobalt N/R 5 Stars 4 Stars 4 Stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Chevrolet Cobalt Safety Features

Chevrolet Cobalt safety features can lower the cost of your insurance. The safety features for the 2020 Chevrolet Cobalt include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Disc/Rear Drum Brakes
  • Daytime Running Lights
  • Emergency Trunk Release

Chevrolet Cobalt Finance and Insurance Cost

If you are financing a Chevrolet Cobalt, most lenders will require your carry higher Chevrolet Cobalt coverages including comprehensive coverage, so be sure to compare Chevrolet Cobalt car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Chevrolet Cobalt Insurance

You have more options at your disposal to save money on your Chevrolet Cobalt car insurance costs. For example, try these five tips:

  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Re-Check Chevrolet Cobalt Quotes Every 6 Months
  • Ask About Mature Driver Discounts for Drivers Over 50
  • Understand the Different Types of Auto Insurance for Your Chevrolet Cobalt
  • Ask for a New Chevrolet Cobalt Auto Insurance Rate Based on Your Improved Credit Score

Top Chevrolet Cobalt Insurance Companies

Who is the top auto insurance company for Chevrolet Cobalt insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Chevrolet Cobalt auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Chevrolet Cobalt offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Chevrolet Cobalt Insurance Quotes Online

You can start comparing quotes for Chevrolet Cobalt auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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