Chevrolet Sonic Insurance Rates
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UPDATED: Apr 30, 2024
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The average insurance prices for a Chevrolet Sonic are $1,256 every 12 months for full coverage. Comprehensive costs on average $218, collision insurance costs $424, and liability insurance costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs around $2,734. Teen 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:
Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Sonic models.
Price Range Variability
For the average 40-year-old driver, Chevrolet Sonic insurance rates range from the cheapest price of $508 for the bare minimum liability coverage to the much higher price of $2,734 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas. The example below illustrates the difference location can make on car insurance rates.
The examples above show why everyone should compare prices based on a specific location and their own driving history, rather than relying on price 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 different risk profiles and scenarios.
- The lowest rate with discounts is $729
- Using higher $1,000 deductibles will save around $146 a year
- The average price for a good driver age 40 with $500 deductibles is $1,256
- Choosing pricier low deductibles for physical damage coverage increases the price to $1,540
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,734
- Policy cost to insure a teen driver for full coverage may cost $4,888 or more
Insurance rates for a Chevrolet Sonic also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Sonic.
Choosing high deductibles could cut rates by as much as $430 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $4,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Chevrolet Sonic insurance for high-risk drivers can be anywhere from 43% to 133% more than average. View High Risk Driver Rates
Your home state has a huge impact on Chevrolet Sonic insurance rates. A driver around age 40 might see rates as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,790 on average in Michigan, Louisiana, and New York.
| 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% |
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 Shop for the Best Cheap Chevrolet Sonic Insurance
Finding cheaper rates on Chevrolet Sonic insurance requires being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Make time to compare rates at least every other year by requesting rates from direct carriers, and also from local independent and exclusive agents.
Below is a quick review of the car insurance concepts touched on in this article.
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,480 more each year for auto insurance
- Drivers can save as much as $150 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $425 each year
- Drivers who require higher levels of liability will pay about $500 each year to increase from a 30/60 limit to a 250/500 level
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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