Chevrolet Sonic Insurance Rates

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UPDATED: Apr 30, 2024

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U.S. average insurance rates for a Chevrolet Sonic are $1,208 a year including full coverage. Comprehensive insurance costs an estimated $210, collision insurance costs $380, and liability insurance costs $460. A policy with just liability insurance costs as little as $510 a year, and coverage for high-risk drivers costs $2,622 or more. Teen drivers pay the highest rates at up to $4,726 a year.

Average premium for full coverage: $1,208

Price estimates broken down by individual coverage:

Comprehensive $210
Collision $380
Liability $460

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Sonic trim levels.

Price Range from Low to High

For a driver around age 40, Chevrolet Sonic insurance prices range from the low end price of $510 for just liability insurance to a much higher rate of $2,622 for a high-risk driver policy.

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

Geographic Price Range

Your location has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.

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

The ranges above highlight why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on 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.

More Rate Details

The chart below breaks down average Chevrolet Sonic insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $705
  • Drivers who choose higher $1,000 deductibles will pay approximately $134 every year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,208
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $260 a year
  • High risk drivers with multiple violations and an at-fault accident could pay up to $2,622
  • The price that insures a teen driver with full coverage can cost as much as $4,726 a year

View Chart as Image

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

Insurance prices for a Chevrolet Sonic are also quite variable based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,500 to $2,000 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 138% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,700 a year. View Rates by Age

The state you live in makes a big difference in Chevrolet Sonic insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,720 on average in Louisiana, New York, 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 could save up to $400 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

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 Right Chevrolet Sonic Insurance

Getting lower rates on Chevrolet Sonic insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and deciding if full coverage is necessary. Shop around every time your policy renews by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a quick rundown of the information covered above.

  • You may be able to save approximately $140 per year just by shopping early and online
  • 16 to 18-year-old drivers are charged the highest prices, possibly costing $394 a month if full coverage is included
  • Increasing physical damage deductibles can save approximately $400 each year
  • High-risk drivers with reckless driving or DUI convictions could be charged and average of $1,410 more annually than a driver with a clean driving record
  • Drivers who want additional liability coverage will pay about $510 per year to go from a low limit to the 250/500 level

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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