Are Chevrolet Cobalts Expensive to Insure?

Average Chevrolet Cobalt car insurance rates cost $112 per month ($1,342 per year). On average, comprehensive coverage costs $327, collision coverage costs $477, and liability coverage costs $379 for Chevrolet Cobalt insurance.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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 average $1,342 a year or $112 a month for full coverage. Good drivers save up to $553 a year by practicing safe driving habits. 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 auto insurance costs 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 Subaru WRX, MINI Hardtop 4 Door, and Cadillac ATS.

Vehicle Comprehensive Collision Liability Total
Subaru WRX $320 $566 $338 $1,360
MINI Hardtop 4 Door $294 $566 $398 $1,416
Cadillac ATS $294 $566 $398 $1,416
Kia Forte $322 $500 $372 $1,352
Audi S3 $356 $744 $264 $1,474
Nissan Versa $268 $542 $390 $1,358
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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 can impact 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, auto insurance for a 2010 Chevrolet Cobalt costs $1,342, while 2010 Chevrolet Cobalt insurance costs 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 effect on the cost of Chevrolet Cobalt car insurance. For example, a 20-year-old driver could pay around $137 more each month for their Chevrolet Cobalt car insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Chevrolet Cobalt insurance rates. For example, drivers in Phoenix may pay $738 a year less than drivers in Los Angeles.

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 auto insurance rates 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 Acceptable
Roof strength Not Tested
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Chevrolet Cobalt Crash Test Ratings

The crash test ratings of the Chevrolet Cobalt can impact your 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
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Chevrolet Cobalt Safety Features

Good Chevrolet Cobalt safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Chevrolet Cobalt are:

  • 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, you will pay more if you purchase Chevrolet Cobalt car insurance at the dealership, so be sure to shop around and compare Chevrolet Cobalt car insurance quotes 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:

  • Pay Your Chevrolet Cobalt Insurance Upfront
  • Consider Chevrolet Cobalt Insurance Costs Before Buying a Chevrolet Cobalt
  • Install an Aftermarket Anti-Theft Device for Your Chevrolet Cobalt
  • Get Married and Ask for a Discount
  • Check the Odometer on Your Chevrolet Cobalt

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
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Start comparing Chevrolet Cobalt auto insurance quotes for free by using our FREE online comparison tool.

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