Chevrolet Sonic Insurance Rates

The average insurance rates for a Chevrolet Sonic are $1,208 a year for full coverage. Comprehensive costs approximately $210 each year, collision costs $380, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,622. Teenage drivers cost the most to insure at $4,726 a year or more.

Average premium for full coverage: $1,208

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Sonic models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below shows estimated Chevrolet Sonic insurance rates for additional coverage and risk scenarios.

• The best discount rate is $705
• Raising to $1,000 deductibles will save $134 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,208
• Using low deductibles will increase the cost to $1,468
• Drivers who are prone to accidents and violations could pay around $2,622 or more
• Policy cost for full coverage for a 16-year-old driver can cost $4,726

View Chart as Image

Insurance rates for a Chevrolet Sonic also range considerably based on your risk profile, the trim level of your Sonic, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state also has a big influence on Chevrolet Sonic insurance prices. A middle-age driver might find rates as low as $800 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,720 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $400 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,500 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 138% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Chevrolet Sonic Insurance

Finding cheaper rates on insurance for a Chevrolet Sonic consists of avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief recap of the information covered above.

• Drivers can save around $140 per year simply by quoting online in advance
• Teenagers are the costliest to insure, costing up to $394 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $400 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,410 more per year for car insurance
• Insureds who purchase higher liability limits will pay an extra $510 each year to raise from a 30/60 limit to 250/500 limits