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: Jun 5, 2023

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Average insurance rates for a Chevrolet Sonic are $1,122 a year for full coverage. Comprehensive insurance costs around $184 each year, collision insurance costs $306, and liability costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs $2,430 or more. 16-year-old drivers receive the highest rates at up to $4,458 a year.

Average premium for full coverage: $1,122

Rate estimates for individual coverage type:

Comprehensive $184
Collision $306
Liability $474

Prices include $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Sonic models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $522 for the bare minimum liability coverage to a high rate of $2,430 for a policy for a high-risk driver.

Liability Only $522
Full Coverage $1,122
High Risk $2,430

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $842
Small Cities $1,178
Large Cities $1,515

These examples show why all drivers should compare rates 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 Rate Information

The chart below shows average Chevrolet Sonic insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $665
  • Drivers who choose higher $1,000 deductibles will pay about $112 a year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,122
  • Buying low deductibles for comprehensive and collision insurance will cost an additional $216 annually
  • Drivers with multiple tickets or accidents could pay at least $2,430
  • The cost that insures a 16-year-old driver can be $4,458 a year

View Chart as Image

Chevrolet Sonic insurance cost comparison chart
Column chart showing Chevrolet Sonic insurance prices range from $665 to $4,458 for full coverage

Insurance rates for a Chevrolet Sonic can also vary considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,300 to $1,900 additional per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 129% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,400 a year. View Rates by Age

Where you live makes a big difference in Chevrolet Sonic insurance prices. A 40-year-old driver could pay as low as $740 a year in states like Idaho, Maine, and Iowa, or at least $1,600 on average in Michigan, Louisiana, and New York.

Chevrolet Sonic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,014 -$108 -9.6%
Alaska $860 -$262 -23.4%
Arizona $932 -$190 -16.9%
Arkansas $1,122 -$0 0.0%
California $1,278 $156 13.9%
Colorado $1,072 -$50 -4.5%
Connecticut $1,154 $32 2.9%
Delaware $1,270 $148 13.2%
Florida $1,404 $282 25.1%
Georgia $1,034 -$88 -7.8%
Hawaii $806 -$316 -28.2%
Idaho $758 -$364 -32.4%
Illinois $836 -$286 -25.5%
Indiana $844 -$278 -24.8%
Iowa $756 -$366 -32.6%
Kansas $1,068 -$54 -4.8%
Kentucky $1,530 $408 36.4%
Louisiana $1,660 $538 48.0%
Maine $692 -$430 -38.3%
Maryland $924 -$198 -17.6%
Massachusetts $898 -$224 -20.0%
Michigan $1,948 $826 73.6%
Minnesota $938 -$184 -16.4%
Mississippi $1,344 $222 19.8%
Missouri $996 -$126 -11.2%
Montana $1,204 $82 7.3%
Nebraska $884 -$238 -21.2%
Nevada $1,346 $224 20.0%
New Hampshire $808 -$314 -28.0%
New Jersey $1,254 $132 11.8%
New Mexico $994 -$128 -11.4%
New York $1,182 $60 5.3%
North Carolina $646 -$476 -42.4%
North Dakota $920 -$202 -18.0%
Ohio $774 -$348 -31.0%
Oklahoma $1,154 $32 2.9%
Oregon $1,028 -$94 -8.4%
Pennsylvania $1,072 -$50 -4.5%
Rhode Island $1,496 $374 33.3%
South Carolina $1,016 -$106 -9.4%
South Dakota $948 -$174 -15.5%
Tennessee $984 -$138 -12.3%
Texas $1,352 $230 20.5%
Utah $830 -$292 -26.0%
Vermont $768 -$354 -31.6%
Virginia $672 -$450 -40.1%
Washington $868 -$254 -22.6%
West Virginia $1,028 -$94 -8.4%
Wisconsin $778 -$344 -30.7%
Wyoming $1,000 -$122 -10.9%

View Chart as Image

Chevrolet Sonic insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $330 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each 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 $1,044 $87
Chevrolet Sonic LS Hatchback $1,072 $89
Chevrolet Sonic LT Hatchback $1,122 $94
Chevrolet Sonic LT Sedan $1,122 $94
Chevrolet Sonic LTZ Sedan $1,148 $96
Chevrolet Sonic LTZ Hatchback $1,174 $98
Chevrolet Sonic RS $1,226 $102

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.

Chevrolet Sonic Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Find the Right Chevrolet Sonic Insurance

Saving money on insurance for a Chevrolet Sonic not only requires having a good driving record, but also having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Comparison shop every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a quick rundown of the coverage data raised in the charts and tables above.

  • Drivers can save up to $130 per year just by quoting online in advance
  • Increasing deductibles can save approximately $325 each year
  • Drivers age 20 and younger are charged the highest rates, costing as high as $372 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,310 more every year to buy Chevrolet Sonic insurance

Rates by Driver Age

Chevrolet Sonic Insurance Rates by Driver Age
Driver Age Premium
16 $4,458
20 $2,590
30 $1,150
40 $1,122
50 $1,028
60 $1,008

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Sonic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,338
$250 $1,238
$500 $1,122
$1,000 $1,010

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Sonic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,122
50/100 $1,321
100/300 $1,439
250/500 $1,747
100 CSL $1,368
300 CSL $1,629
500 CSL $1,819

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Sonic Insurance Rates for High Risk Drivers
Age Premium
16 $6,308
20 $4,132
30 $2,460
40 $2,430
50 $2,324
60 $2,302

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 $155

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $58
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $72
Paid in Full/EFT $44
Advance Quote $52
Online Quote $77
Total Discounts $457
Rate after discounts $665

Discounts are estimated and may not be available from every company or in every state.

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