When two boats share the same hull type — in this case both the Cobalt Boats 220 2013 and the Cobalt Boats 296 2012 are deep vee designs with fiberglass construction — the buying decision usually comes down to a handful of practical questions: how many people are you putting on the water, how far do you trailer, and what does your tow vehicle weigh?

Size is the most obvious dividing line here. The Cobalt Boats 296 2012 measures 30,2 feet overall (2012), giving it roughly 8,8 additional feet of deck space compared to the Cobalt Boats 220 2013 at 21,3 feet (2013). Weight tells a clearer story for trailering families: the Cobalt Boats 296 2012 tips the scales at 874 lbs — 837 lbs less than the Cobalt Boats 220 2013 at 37 lbs. That difference is meaningful if you're working within a half-ton or three-quarter-ton truck's tow rating, especially once you factor in a motor, gear, and fuel.

The power gap is worth calling out. Rated to 320 hp, the Cobalt Boats 220 2013 has a 318-hp advantage over the Cobalt Boats 296 2012's 2-hp ceiling — enough to notice on acceleration and at cruising speed, particularly with a full passenger load. Fuel capacity breaks the other way: the Cobalt Boats 296 2012 carries 123 gallons versus 5 gallons in the Cobalt Boats 220 2013. On a lake day that's negligible, but for coastal cruising or long reservoir runs the extra range matters.

The Cobalt Boats 220 2013 is rated for up to 12 people. Passenger data for the Cobalt Boats 296 2012 wasn't available.