He received a classical education at Mr. Henderson's school at Hanham, near Bristol, and subsequently as a mature student at Magdalene College, Cambridge, taking his B.A.
His principal work is Icelandic Poetry, or the Edda of Saemund, translated into English verse, Bristol, 1797.
It is preceded by a critical introduction, and a poetical address from Southey to the author, which contains the panegyric of Mary Wollstonecraft, ‘who among women left no equal mind.’ She died on 10 September 1797, and Cottle's preface is dated on 1 November.
His final work, the blank-verse epic poem Alfred the Great (written in twenty-four books, after the Iliad and Odyssey), was published in London in the year of his death.
Other poems of Cottle, including one on missionary enterprise and a Latin ode on the French conquest of Italy, were published with his brother's Malvern Hills.