Chevrolet Sonic Insurance Rates
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UPDATED: Mar 19, 2020
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U.S. average insurance rates for a Chevrolet Sonic are $1,140 a year for full coverage. Comprehensive costs around $190 each year, collision costs $328, and liability costs around $464. A policy with just liability insurance costs as low as $514 a year, with coverage for high-risk drivers costing around $2,472. 16-year-old drivers pay the highest rates at $4,510 a year or more.
Average premium for full coverage: $1,140
Price estimates for individual coverage:
Rates are based on $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Sonic models.
Price Range from Low to High
Using a middle-aged driver as an example, Chevrolet Sonic insurance prices go from the low end price of $514 for liability-only coverage to a high rate of $2,472 for high-risk insurance.
Geographic Price Range
Where you live can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities.
The graphic below illustrates how where you live affects auto insurance rates.
The ranges above show why all drivers should compare prices for a specific zip code, instead of making a decision based on rate 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.
Additional Charts and Tables
The chart below shows estimated Chevrolet Sonic insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $673
- Using higher $1,000 deductibles will save about $118 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,140
- Buying low deductibles for physical damage coverage bumps up the cost to $1,366
- High-risk insureds with multiple tickets or accidents could pay at least $2,472 or more
- The price that insures a 16-year-old driver can be $4,510 or more
Insurance prices for a Chevrolet Sonic are also quite variable based on the trim level and model year, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be from 42% to 137% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,500 a year. View Rates by Age
The state you live in has a huge impact on Chevrolet Sonic insurance prices. A driver around age 40 might see prices as low as $750 a year in states like Idaho, Maine, and Iowa, or at least $1,630 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,032 | -$108 | -9.5% |
| Alaska | $874 | -$266 | -23.3% |
| Arizona | $948 | -$192 | -16.8% |
| Arkansas | $1,140 | -$0 | 0.0% |
| California | $1,300 | $160 | 14.0% |
| Colorado | $1,088 | -$52 | -4.6% |
| Connecticut | $1,172 | $32 | 2.8% |
| Delaware | $1,290 | $150 | 13.2% |
| Florida | $1,424 | $284 | 24.9% |
| Georgia | $1,050 | -$90 | -7.9% |
| Hawaii | $818 | -$322 | -28.2% |
| Idaho | $770 | -$370 | -32.5% |
| Illinois | $850 | -$290 | -25.4% |
| Indiana | $856 | -$284 | -24.9% |
| Iowa | $770 | -$370 | -32.5% |
| Kansas | $1,082 | -$58 | -5.1% |
| Kentucky | $1,554 | $414 | 36.3% |
| Louisiana | $1,686 | $546 | 47.9% |
| Maine | $702 | -$438 | -38.4% |
| Maryland | $940 | -$200 | -17.5% |
| Massachusetts | $914 | -$226 | -19.8% |
| Michigan | $1,978 | $838 | 73.5% |
| Minnesota | $952 | -$188 | -16.5% |
| Mississippi | $1,364 | $224 | 19.6% |
| Missouri | $1,010 | -$130 | -11.4% |
| Montana | $1,224 | $84 | 7.4% |
| Nebraska | $900 | -$240 | -21.1% |
| Nevada | $1,364 | $224 | 19.6% |
| New Hampshire | $820 | -$320 | -28.1% |
| New Jersey | $1,274 | $134 | 11.8% |
| New Mexico | $1,010 | -$130 | -11.4% |
| New York | $1,200 | $60 | 5.3% |
| North Carolina | $656 | -$484 | -42.5% |
| North Dakota | $932 | -$208 | -18.2% |
| Ohio | $786 | -$354 | -31.1% |
| Oklahoma | $1,170 | $30 | 2.6% |
| Oregon | $1,044 | -$96 | -8.4% |
| Pennsylvania | $1,086 | -$54 | -4.7% |
| Rhode Island | $1,520 | $380 | 33.3% |
| South Carolina | $1,032 | -$108 | -9.5% |
| South Dakota | $962 | -$178 | -15.6% |
| Tennessee | $998 | -$142 | -12.5% |
| Texas | $1,374 | $234 | 20.5% |
| Utah | $844 | -$296 | -26.0% |
| Vermont | $782 | -$358 | -31.4% |
| Virginia | $682 | -$458 | -40.2% |
| Washington | $880 | -$260 | -22.8% |
| West Virginia | $1,044 | -$96 | -8.4% |
| Wisconsin | $788 | -$352 | -30.9% |
| Wyoming | $1,016 | -$124 | -10.9% |
Opting for high physical damage deductibles could cut prices by as much as $350 annually, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know your exact price is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Sonic LS Sedan | $1,056 | $88 |
| Chevrolet Sonic LS Hatchback | $1,086 | $91 |
| Chevrolet Sonic LT Hatchback | $1,140 | $95 |
| Chevrolet Sonic LT Sedan | $1,140 | $95 |
| Chevrolet Sonic LTZ Sedan | $1,166 | $97 |
| Chevrolet Sonic LTZ Hatchback | $1,192 | $99 |
| Chevrolet Sonic RS | $1,246 | $104 |
Rates assume 2013 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 |
|---|---|---|---|---|
| 2015 Chevrolet Sonic | $210 | $380 | $460 | $1,208 |
| 2014 Chevrolet Sonic | $196 | $350 | $460 | $1,164 |
| 2013 Chevrolet Sonic | $190 | $328 | $464 | $1,140 |
| 2012 Chevrolet Sonic | $184 | $306 | $474 | $1,122 |
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
Getting lower rates on insurance for a Chevrolet Sonic requires avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Comparison shop every couple of years by quoting rates from direct carriers, and also from several local insurance agents.
The points below are a quick review of the material that was touched on in the above illustrations.
- Insureds who may need increased liability limits will pay around $510 each year to increase from a low limit to the 250/500 level
- Drivers under the age of 20 pay higher prices, with premiums as much as $376 a month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,330 more every year to insure a Chevrolet Sonic
- Increasing physical damage deductibles can save approximately $350 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,510 |
| 20 | $2,636 |
| 30 | $1,168 |
| 40 | $1,140 |
| 50 | $1,044 |
| 60 | $1,024 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,366 |
| $250 | $1,260 |
| $500 | $1,140 |
| $1,000 | $1,022 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,140 |
| 50/100 | $1,339 |
| 100/300 | $1,455 |
| 250/500 | $1,756 |
| 100 CSL | $1,385 |
| 300 CSL | $1,640 |
| 500 CSL | $1,826 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,384 |
| 20 | $4,204 |
| 30 | $2,504 |
| 40 | $2,472 |
| 50 | $2,364 |
| 60 | $2,342 |
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 | $59 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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