Buy Cheap Chevrolet Cobalt Auto Insurance in 2024
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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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Nov 27, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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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Frequently Asked Questions
How can I find cheap auto insurance for my Chevrolet Cobalt?
Finding affordable insurance for your Chevrolet Cobalt involves several steps. Start by comparing quotes from multiple insurance providers to get an idea of the different rates available. Additionally, consider factors such as your driving history, location, coverage needs, and deductibles, as they can impact your insurance premiums. Maintaining a good credit score and bundling your auto insurance with other policies may also help reduce costs. Finally, ask your insurance provider about any available discounts specifically for Chevrolet Cobalt owners.
What factors can affect the cost of Chevrolet Cobalt auto insurance?
Several factors can influence the cost of insuring a Chevrolet Cobalt. These may include your age, driving record, location, mileage, coverage options, deductibles, and the value of your vehicle. Insurance providers also consider the safety features of your Cobalt, such as anti-lock brakes, airbags, and anti-theft systems. Additionally, your credit score and any applicable discounts can impact your insurance premiums.
Are there any specific auto insurance discounts for Chevrolet Cobalt owners?
While specific discounts can vary between insurance providers, there are several common discounts that Chevrolet Cobalt owners may be eligible for. These can include safe driver discounts, multi-policy discounts (if you bundle your auto insurance with other policies), discounts for low annual mileage, and discounts for safety features such as anti-lock brakes, airbags, or anti-theft systems. It’s advisable to check with individual insurance companies to determine the exact discounts available for your Chevrolet Cobalt.
What are some tips for lowering Chevrolet Cobalt auto insurance premiums?
Here are a few tips to help lower your Chevrolet Cobalt auto insurance premiums:
- Compare quotes from multiple insurance providers to find the most competitive rates.
- Maintain a clean driving record to demonstrate safe driving habits.
- Consider increasing your deductible, which can lower your premium but also means you’ll pay more out of pocket in the event of a claim.
- Take advantage of available discounts, such as safe driver discounts or multi-policy discounts.
- Ask your insurance provider if they offer any specific discounts or programs for Chevrolet Cobalt owners.
- Review your coverage periodically to ensure you’re not paying for unnecessary add-ons.
What types of coverage should I consider for my Chevrolet Cobalt?
When selecting auto insurance coverage for your Chevrolet Cobalt, it’s important to consider your specific needs. Some essential coverage options include:
- Liability Coverage: This covers bodily injury and property damage if you’re at fault in an accident.
- Collision Coverage: This covers damage to your Cobalt if you’re involved in a collision, regardless of fault.
- Comprehensive Coverage: This covers non-collision-related damages, such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: This protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance coverage.
- Personal Injury Protection (PIP): This coverage pays for medical expenses and lost wages for you and your passengers in case of an accident.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.