Compare Chevrolet Cobalt Insurance Rates

Chevrolet Cobalt insurance rates will cost on average $112 per month. You can find cheaper rates when you compare Chevrolet Cobalt insurance quotes online, and you can start now with our free tool below. Your driving record and where you live will impact the price of your Chevrolet Cobalt auto insurance, so start comparing now to find a reasonable Chevrolet Cobalt insurance cost.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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. Good drivers 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 Ford Fusion, Ford Taurus, and Chevrolet Sonic.

Vehicle Comprehensive Collision Liability Total
Ford Fusion $336 $626 $372 $1,492
Ford Taurus $344 $596 $398 $1,496
Chevrolet Sonic $270 $536 $398 $1,362
Honda Civic $280 $656 $420 $1,536
MINI Hardtop 4 Door $294 $566 $398 $1,416
Kia Forte $322 $500 $372 $1,352
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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?

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.

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 Jacksonville may pay $805 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Chevrolet Cobalt car 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 car insurance rates are tied to the safety ratings of the Chevrolet Cobalt. 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
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Chevrolet Cobalt Crash Test Ratings

Not only do good Chevrolet Cobalt crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Chevrolet Cobalt auto 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

The Chevrolet Cobalt safety features can help lower insurance costs. According to AutoBlog, the 2020 Chevrolet Cobalt has the following safety features:

  • 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 auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Chevrolet Cobalt Insurance

You can save more money on your Chevrolet Cobalt auto insurance rates by employing any of the following five strategies.

  • Start Searching for New Chevrolet Cobalt Car Insurance a Month Before Your Renewal
  • Ask About a Student Away from Home Discount
  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Take Advantage of Referral Fees
  • Ask About Retiree Discounts

Top Chevrolet Cobalt Insurance Companies

Who is the top car 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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Save money by comparing Chevrolet Cobalt insurance rates with free quotes online now!

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