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Are Chevrolet Cobalts Expensive to Insure?

If you want to buy affordable Chevrolet Cobalt insurance coverage then you should know that a policy will cost $112 per month ($1,342 per year) on average. On average, comprehensive coverage costs $327, collision coverage costs $477, and liability coverage costs $379 for Chevrolet Cobalt insurance.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 18, 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 are about $177 less per year than the average vehicle, with liability-only coverage coming in at around $1,342 a year or $112 a month. Save up to $553 a year by being a good driver and remaining claim-free. Let’s look at Chevrolet Cobalt insurance rates, safety ratings, and more.

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 Toyota Corolla, Nissan Versa, and Chevrolet Cruze.

Vehicle Comprehensive Collision Liability Total
Toyota Corolla $294 $542 $390 $1,384
Nissan Versa $268 $542 $390 $1,358
Chevrolet Cruze $308 $594 $372 $1,432
Buick Regal $306 $536 $398 $1,398
Chrysler 300 $332 $626 $398 $1,514
Toyota Avalon $320 $536 $338 $1,330

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?

Even though the average annual rate for the Chevrolet Cobalt is $1,342, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Chevrolet Cobalt.

Age of the Vehicle

Older Chevrolet Cobalt models generally cost less to insure. Auto insurance for a 2010 Chevrolet Cobalt costs $1,342 per year.

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

Driver Age

Driver age can have a significant effect on Chevrolet Cobalt car insurance rates. For example, 30-year-old drivers pay $59 more for Chevrolet Cobalt car 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 $818 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on your Chevrolet Cobalt car insurance rates. 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 tied to the Chevrolet Cobalt’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Average
Roof strength Not Tested
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

Chevrolet Cobalt Crash Test Ratings

Good Chevrolet Cobalt crash test ratings mean the VW is safer, which could mean cheaper Chevrolet Cobalt car insurance rates.

Vehicle Tested Front Driver Front Passenger Side Driver Side Passenger Rollover
Chevrolet Cobalt 4 5 3 5 4
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Chevrolet Cobalt Safety Features

Most drivers don’t realize that not only do Chevrolet Cobalt safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Chevrolet Cobalt auto insurance rates. The Chevrolet Cobalt’s safety features 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 coverage options including comprehensive coverage, so be sure to shop around and compare Chevrolet Cobalt car insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Chevrolet Cobalt Insurance

If you want to reduce the cost of your Chevrolet Cobalt insurance rates, follow these tips below:

  • Compare Chevrolet Cobalt Quotes for Free Online
  • Buy a Chevrolet Cobalt with an Anti-Theft Device
  • Consider Ride Sharing Services to Lower Your Chevrolet Cobalt Mileage
  • Get Chevrolet Cobalt Auto Insurance Through Costco
  • Pay Your Bills On Time — Especially Chevrolet Cobalt Payments and Insurance

Top Chevrolet Cobalt Insurance Companies

Who is the best 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

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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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