Chevrolet Sonic Insurance Rates
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UPDATED: Apr 30, 2024
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The average insurance rates for a Chevrolet Sonic are $1,256 a year for full coverage insurance. Comprehensive insurance costs approximately $218 a year, collision insurance costs $424, and liability is estimated at $456. Liability-only insurance costs approximately $508 a year, and high-risk driver insurance costs $2,734 or more. Teenage drivers cost the most to insure at up to $4,888 a year.
Average premium for full coverage: $1,256
Policy rates by type of insurance:
Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Sonic trim levels.
Price Range Variability
For the average driver, Chevrolet Sonic insurance rates range from as low as $508 for just liability coverage to a high of $2,734 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.
The examples above illustrate why it is important to get quotes using their specific location and risk profile, 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.
Detailed Rate Analysis
The chart below illustrates average Chevrolet Sonic insurance rates for additional coverage and risk scenarios.
- The best discount rate is $729
- Choosing higher $1,000 deductibles can save $1,110 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,256
- Using low $100 deductibles for comp and collision coverage will cost an extra $284 every year
- Unlucky drivers who are prone to accidents and violations could pay around $2,734
- Policy cost for full coverage for a teen driver can cost $4,888 each year
Auto insurance rates for a Chevrolet Sonic also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age
Your home state plays a big part in determining prices for Chevrolet Sonic insurance prices. A good driver about age 40 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% |
Using high physical damage deductibles can save as much as $430 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
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 Find Low Cost Chevrolet Sonic Insurance
Finding cheaper rates on car insurance takes avoiding accidents and violations, having good credit, being claim-free, and possibly higher deductibles. Spend time shopping around at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The list below is a review of the car insurance concepts touched on above.
- Higher risk drivers who have several accidents or serious violations may pay on average $1,480 more per year for car insurance
- It is possible to save around $150 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save around $425 each year
- Policyholders who purchase higher liability limits will pay an extra $500 annually to raise limits from a 30/60 limit to 250/500 limits
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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