Chevrolet Sonic Insurance Rates

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UPDATED: Apr 30, 2024

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Average insurance rates for a Chevrolet Sonic are $1,208 a year for full coverage. Comprehensive insurance costs an estimated $210, collision costs $380, and liability coverage is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing $2,622 or more. Teen drivers receive the highest rates at $4,726 a year or more.

Average premium for full coverage: $1,208

Rate estimates broken down by individual coverage type:

Comprehensive $210
Collision $380
Liability $460

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different Sonic trim levels.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $510 for just the minimum liability insurance to a much higher rate of $2,622 for a policy for a high-risk driver.

Liability Only $510
Full Coverage $1,208
High Risk $2,622

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates how location impacts insurance prices.

Rural Areas $906
Small Cities $1,268
Large Cities $1,631

These examples show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than using price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below shows estimated Chevrolet Sonic insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $705
  • Choosing higher $1,000 deductibles can save approximately $134 a year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,208
  • Choosing more expensive low deductibles for comp and collision coverage will cost an extra $260 each year
  • Drivers with multiple violations and an at-fault accident could pay up to $2,622 or more
  • The cost for full coverage for a teenage driver with full coverage can cost as much as $4,726 each year

View Chart as Image

Chevrolet Sonic insurance cost comparison chart
Column chart showing full coverage Chevrolet Sonic insurance prices range from $705 to $4,726

Insurance rates for a Chevrolet Sonic can also vary considerably based on your driver profile, the trim level of your Sonic, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $4,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Chevrolet Sonic insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or as much as $1,720 on average in New York, Louisiana, and Michigan.

Chevrolet Sonic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,094 -$114 -9.4%
Alaska $924 -$284 -23.5%
Arizona $1,002 -$206 -17.1%
Arkansas $1,208 -$0 0.0%
California $1,376 $168 13.9%
Colorado $1,154 -$54 -4.5%
Connecticut $1,242 $34 2.8%
Delaware $1,368 $160 13.2%
Florida $1,510 $302 25.0%
Georgia $1,114 -$94 -7.8%
Hawaii $866 -$342 -28.3%
Idaho $818 -$390 -32.3%
Illinois $898 -$310 -25.7%
Indiana $908 -$300 -24.8%
Iowa $814 -$394 -32.6%
Kansas $1,148 -$60 -5.0%
Kentucky $1,648 $440 36.4%
Louisiana $1,786 $578 47.8%
Maine $746 -$462 -38.2%
Maryland $998 -$210 -17.4%
Massachusetts $968 -$240 -19.9%
Michigan $2,098 $890 73.7%
Minnesota $1,012 -$196 -16.2%
Mississippi $1,446 $238 19.7%
Missouri $1,070 -$138 -11.4%
Montana $1,298 $90 7.5%
Nebraska $954 -$254 -21.0%
Nevada $1,450 $242 20.0%
New Hampshire $872 -$336 -27.8%
New Jersey $1,350 $142 11.8%
New Mexico $1,070 -$138 -11.4%
New York $1,272 $64 5.3%
North Carolina $694 -$514 -42.5%
North Dakota $988 -$220 -18.2%
Ohio $834 -$374 -31.0%
Oklahoma $1,242 $34 2.8%
Oregon $1,106 -$102 -8.4%
Pennsylvania $1,152 -$56 -4.6%
Rhode Island $1,612 $404 33.4%
South Carolina $1,094 -$114 -9.4%
South Dakota $1,020 -$188 -15.6%
Tennessee $1,058 -$150 -12.4%
Texas $1,456 $248 20.5%
Utah $894 -$314 -26.0%
Vermont $828 -$380 -31.5%
Virginia $724 -$484 -40.1%
Washington $936 -$272 -22.5%
West Virginia $1,106 -$102 -8.4%
Wisconsin $836 -$372 -30.8%
Wyoming $1,076 -$132 -10.9%

View Chart as Image

Chevrolet Sonic insurance rates by U.S. city

Choosing high deductibles can save as much as $400 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,500 to $2,000 additional per year, depending on your age. High-risk driver insurance ranges around 42% to 138% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Chevrolet Sonic Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Chevrolet Sonic LS Sedan $1,114 $93
Chevrolet Sonic LS Hatchback $1,146 $96
Chevrolet Sonic LT Hatchback $1,208 $101
Chevrolet Sonic LT Sedan $1,208 $101
Chevrolet Sonic LTZ Sedan $1,238 $103
Chevrolet Sonic LTZ Hatchback $1,270 $106
Chevrolet Sonic RS $1,330 $111

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Chevrolet Sonic Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Chevrolet Sonic $238 $484 $442 $1,322
2019 Chevrolet Sonic $228 $450 $452 $1,288
2018 Chevrolet Sonic $218 $424 $456 $1,256
2017 Chevrolet Sonic $210 $380 $460 $1,208
2016 Chevrolet Sonic $196 $350 $460 $1,164
2015 Chevrolet Sonic $190 $328 $464 $1,140
2014 Chevrolet Sonic $184 $306 $474 $1,122
2013 Chevrolet Sonic $172 $284 $474 $1,088
2012 Chevrolet Sonic $166 $258 $478 $1,060

Rates are averaged for all Chevrolet Sonic models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Cheap Chevrolet Sonic Insurance

Saving money on auto insurance takes avoiding accidents and violations, having a good credit history, eliminating unneeded coverage, and maximizing policy discounts. Spend time shopping around every year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The list below is a quick review of the coverage data touched on above.

  • Drivers can save approximately $140 per year simply by shopping early and online
  • Increasing deductibles can save around $400 each year
  • Teenagers are expensive to insure, costing as high as $394 per month including comprehensive and collision insurance
  • Drivers with a DUI or reckless driving violation pay an average of $1,410 more annually for car insurance

Rates by Driver Age

Chevrolet Sonic Insurance Rates by Driver Age
Driver Age Premium
16 $4,726
20 $2,798
30 $1,242
40 $1,208
50 $1,106
60 $1,084

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Sonic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,468
$250 $1,346
$500 $1,208
$1,000 $1,074

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Sonic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,208
50/100 $1,422
100/300 $1,537
250/500 $1,836
100 CSL $1,468
300 CSL $1,721
500 CSL $1,905

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Sonic Insurance Rates for High Risk Drivers
Age Premium
16 $6,702
20 $4,464
30 $2,664
40 $2,622
50 $2,508
60 $2,486

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $169

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $83
5-yr Claim Free $78
Paid in Full/EFT $51
Advance Quote $58
Online Quote $84
Total Discounts $503
Rate after discounts $705

Discounts are estimated and may not be available from every company or in every state.

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