Chevrolet Sonic Insurance Rates
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UPDATED: Apr 30, 2024
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Estimated auto insurance rates for a Chevrolet Sonic are $1,256 annually for full coverage insurance. Comprehensive insurance costs an estimated $218, collision insurance costs $424, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs $2,734 or more. Teenage drivers pay the most at up to $4,888 a year.
Average premium for full coverage: $1,256
Premium estimates broken down by type of coverage:
Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all Sonic models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Chevrolet Sonic range from as cheap as $508 for liability-only coverage to the much higher price of $2,734 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities. The example below illustrates how rural and urban location affects insurance prices.
These rate differences illustrate why everyone should compare rates for a targeted area and their own personal driving habits, instead of using average rates.
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 Charts and Tables
The chart below illustrates average Chevrolet Sonic insurance rates for other coverage scenarios.
- The best discount rate is $729
- Drivers who choose higher $1,000 deductibles will pay approximately $146 each year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,256
- Using pricier low deductibles for comprehensive and collision insurance costs an additional $284 every year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,734
- An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $4,888 a year
Auto insurance prices for a Chevrolet Sonic also have a wide range based on the model of your Sonic, your risk profile, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying $1,500 to $2,100 in extra premium annually, depending on your age. Chevrolet Sonic insurance for high-risk drivers can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $430 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Chevrolet Sonic insurance prices. A 40-year-old driver could pay as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,700 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,136 | -$120 | -9.6% |
| Alaska | $964 | -$292 | -23.2% |
| Arizona | $1,044 | -$212 | -16.9% |
| Arkansas | $1,256 | -$0 | 0.0% |
| California | $1,432 | $176 | 14.0% |
| Colorado | $1,202 | -$54 | -4.3% |
| Connecticut | $1,290 | $34 | 2.7% |
| Delaware | $1,422 | $166 | 13.2% |
| Florida | $1,572 | $316 | 25.2% |
| Georgia | $1,158 | -$98 | -7.8% |
| Hawaii | $904 | -$352 | -28.0% |
| Idaho | $848 | -$408 | -32.5% |
| Illinois | $938 | -$318 | -25.3% |
| Indiana | $948 | -$308 | -24.5% |
| Iowa | $848 | -$408 | -32.5% |
| Kansas | $1,194 | -$62 | -4.9% |
| Kentucky | $1,714 | $458 | 36.5% |
| Louisiana | $1,858 | $602 | 47.9% |
| Maine | $778 | -$478 | -38.1% |
| Maryland | $1,036 | -$220 | -17.5% |
| Massachusetts | $1,004 | -$252 | -20.1% |
| Michigan | $2,184 | $928 | 73.9% |
| Minnesota | $1,052 | -$204 | -16.2% |
| Mississippi | $1,504 | $248 | 19.7% |
| Missouri | $1,114 | -$142 | -11.3% |
| Montana | $1,350 | $94 | 7.5% |
| Nebraska | $990 | -$266 | -21.2% |
| Nevada | $1,506 | $250 | 19.9% |
| New Hampshire | $906 | -$350 | -27.9% |
| New Jersey | $1,402 | $146 | 11.6% |
| New Mexico | $1,112 | -$144 | -11.5% |
| New York | $1,324 | $68 | 5.4% |
| North Carolina | $724 | -$532 | -42.4% |
| North Dakota | $1,028 | -$228 | -18.2% |
| Ohio | $868 | -$388 | -30.9% |
| Oklahoma | $1,290 | $34 | 2.7% |
| Oregon | $1,150 | -$106 | -8.4% |
| Pennsylvania | $1,198 | -$58 | -4.6% |
| Rhode Island | $1,676 | $420 | 33.4% |
| South Carolina | $1,138 | -$118 | -9.4% |
| South Dakota | $1,060 | -$196 | -15.6% |
| Tennessee | $1,100 | -$156 | -12.4% |
| Texas | $1,514 | $258 | 20.5% |
| Utah | $932 | -$324 | -25.8% |
| Vermont | $862 | -$394 | -31.4% |
| Virginia | $754 | -$502 | -40.0% |
| Washington | $970 | -$286 | -22.8% |
| West Virginia | $1,150 | -$106 | -8.4% |
| Wisconsin | $870 | -$386 | -30.7% |
| Wyoming | $1,118 | -$138 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Sonic LS Sedan | $1,154 | $96 |
| Chevrolet Sonic LS Hatchback | $1,188 | $99 |
| Chevrolet Sonic LT Hatchback | $1,256 | $105 |
| Chevrolet Sonic LT Sedan | $1,256 | $105 |
| Chevrolet Sonic LTZ Sedan | $1,290 | $108 |
| Chevrolet Sonic LTZ Hatchback | $1,324 | $110 |
| Chevrolet Sonic RS | $1,390 | $116 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Chevrolet Sonic | $250 | $502 | $430 | $1,340 |
| 2019 Chevrolet Sonic | $238 | $484 | $442 | $1,322 |
| 2018 Chevrolet Sonic | $228 | $450 | $452 | $1,288 |
| 2017 Chevrolet Sonic | $218 | $424 | $456 | $1,256 |
| 2016 Chevrolet Sonic | $210 | $380 | $460 | $1,208 |
| 2015 Chevrolet Sonic | $196 | $350 | $460 | $1,164 |
| 2014 Chevrolet Sonic | $190 | $328 | $464 | $1,140 |
| 2013 Chevrolet Sonic | $184 | $306 | $474 | $1,122 |
| 2012 Chevrolet Sonic | $172 | $284 | $474 | $1,088 |
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 Buy the Right Chevrolet Sonic Insurance
Finding better rates on car insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to shop around at least once a year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The items below are a quick rundown of the primary concepts that were raised in the charts and tables above.
- It is possible to save approximately $150 per year just by quoting online well ahead of the renewal date
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,480 more annually to insure their Sonic
- Increasing policy deductibles could save up to $425 each year
- Teen drivers are the costliest to insure, with premiums being up to $407 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,888 |
| 20 | $2,922 |
| 30 | $1,296 |
| 40 | $1,256 |
| 50 | $1,152 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,540 |
| $250 | $1,408 |
| $500 | $1,256 |
| $1,000 | $1,110 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,256 |
| 50/100 | $1,481 |
| 100/300 | $1,595 |
| 250/500 | $1,892 |
| 100 CSL | $1,527 |
| 300 CSL | $1,778 |
| 500 CSL | $1,960 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,946 |
| 20 | $4,662 |
| 30 | $2,778 |
| 40 | $2,734 |
| 50 | $2,616 |
| 60 | $2,592 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $88 |
| Total Discounts | $527 |
Discounts are estimated and may not be available from every company or in every state.
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