Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

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 are nearly $200 cheaper than the average vehicle. You can pay as low as $112 per month for full coverage and $45 per month for liability-only coverage. Continue reading to learn how you can save more money on Chevrolet Cobalt insurance rates.

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.

Chevrolet Cobalt Insurance Cost

The average Chevrolet Cobalt auto 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 Chevrolet Blazer, Subaru Legacy, and Infiniti Q50.

Vehicle Comprehensive Collision Liability Total
Chevrolet Blazer $376 $688 $316 $1,516
Subaru Legacy $370 $506 $338 $1,350
Infiniti Q50 $344 $686 $398 $1,586
Chevrolet Malibu $322 $532 $372 $1,384
MINI Hardtop 4 Door $294 $566 $398 $1,416
Buick Regal $306 $536 $398 $1,398
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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 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 effect on Chevrolet Cobalt auto insurance rates. For example, 20-year-old drivers pay $1,641 more for their Chevrolet Cobalt auto insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Chevrolet Cobalt insurance rates. For example, drivers in Los Angeles may pay $192 a year more than drivers in Houston.

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 G
Side A
Roof strength Not Tested
Head restraints and seats G
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 auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Chevrolet Cobalt 4 stars 4 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

Having a variety of safety features on your Chevrolet Cobalt can help lower your insurance costs. According to AutoBlog, the 2020 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 coverages including comprehensive coverage, so be sure to compare Chevrolet Cobalt auto insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Chevrolet Cobalt Insurance

Save more on your Chevrolet Cobalt auto insurance rates. Take a look at the following five strategies that will get you the best Chevrolet Cobalt auto insurance rates possible.

  • Bundle Your Chevrolet Cobalt Auto Insurance with Home Insurance
  • Ask for New Chevrolet Cobalt Insurance Rates Based on Your Improved Credit Score
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Drive Your Chevrolet Cobalt Safely
  • Buy An Older Chevrolet Cobalt

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

Save on your Chevrolet Cobalt auto insurance rates by taking advantage of our FREE comparison tool.