Chevrolet Sonic Insurance Rates

The average insurance rates for a Chevrolet Sonic are $1,208 a year for full coverage insurance. Comprehensive costs on average $210 a year, collision costs $380, and liability insurance is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $2,622. 16-year-old 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:

Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Sonic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why it is important to get quotes based on a specific location, rather than relying on rate averages.

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

More Rate Information

The chart below illustrates estimated Chevrolet Sonic insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $705
• Choosing higher $1,000 deductibles can save around $1,074 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,208
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,468
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,622 or more
• Policy cost that insures a teen driver may cost $4,726 each year

View Chart as Image

Insurance rates for a Chevrolet Sonic also range considerably based on the trim level of your Sonic, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 138% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Chevrolet Sonic insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,630 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $400 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates will be varied.

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 Cheapest Chevrolet Sonic Insurance

Finding cheaper rates on Chevrolet Sonic insurance takes being a low-risk driver, having above-average credit, being claim-free, and bundling your home and auto policies. Comparison shop at least every other year by getting price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a recap of the car insurance concepts covered in the above illustrations.

• High-risk drivers that have major violations or accidents may pay on average $1,410 more each year to insure their Sonic
• It is possible to save as much as $140 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Drivers who require more liability coverage will pay around $510 annually to raise limits from a 30/60 limit to the 250/500 level