Chevrolet Sonic Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,338 |
| $250 | $1,238 |
| $500 | $1,122 |
| $1,000 | $1,010 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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