Chevrolet Sonic Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 30, 2024

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Average insurance rates for a Chevrolet Sonic are $1,208 a year including full coverage. Comprehensive insurance costs on average $210, collision costs $380, and liability coverage is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $2,622 or more. Teens receive the highest rates at $4,726 a year or more.

Average premium for full coverage: $1,208

Rate estimates by individual coverage type:

Comprehensive $210
Collision $380
Liability $460

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Sonic models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $510 for just the minimum liability insurance to the much higher price of $2,622 for a driver who requires high-risk insurance.

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 car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine car insurance rates.

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

These examples highlight why everyone should get quotes based on a specific location and risk profile, rather than using averaged prices.

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 breaks down estimated Chevrolet Sonic insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $705
  • Choosing higher $1,000 deductibles can save around $134 every year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,208
  • Selecting pricier low deductibles for comp and collision coverage will cost an extra $260 each year
  • Drivers with serious driving violations could pay upwards of $2,622 or more
  • The cost for full coverage for a teenage driver for full coverage may cost $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

Car insurance rates for a Chevrolet Sonic can also vary considerably based on your driver profile, the model of your Sonic, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $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 $930 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,720 on average in Michigan, New York, and Louisiana.

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 higher comprehensive and collision insurance deductibles can save as much as $400 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,000 extra per year, depending on your age. Chevrolet Sonic insurance for high-risk drivers ranges around 42% to 138% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, so rate quotes 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 above-average credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates at every other renewal by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The list below is a quick review of the concepts that were covered in the charts and tables above.

  • Drivers with a DUI or reckless driving violation may pay on average $1,410 more each year for car insurance
  • Teenagers are expensive to insure, as much as $394 per month if full coverage is included
  • You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $400 each year
  • You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date

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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