Chevrolet Sonic Insurance Rates
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UPDATED: Jun 5, 2023
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The average insurance prices for a Chevrolet Sonic are $1,122 every 12 months with full coverage. Comprehensive costs an estimated $184, collision insurance costs $306, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,430. 16-year-old drivers cost the most to insure at up to $4,458 a year.
Average premium for full coverage: $1,122
Policy rates broken down by type of insurance:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all Sonic models.
Price Range Variability
Using a middle-aged driver as an example, Chevrolet Sonic insurance rates range from the cheapest price of $522 for just the minimum liability insurance to the much higher price of $2,430 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than congested cities. The example below illustrates how where you live affects insurance prices.
The examples above demonstrate why everyone should compare prices for a targeted area and their own driving history, rather than relying 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 Analysis
The chart below details average Chevrolet Sonic insurance rates for other coverage scenarios.
- The best full coverage rate is $665
- Using higher $1,000 deductibles will save approximately $112 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,122
- Buying pricier low deductibles for physical damage coverage increases the price to $1,338
- Drivers with multiple tickets or accidents could pay up to $2,430
- Policy cost to insure a teen driver for full coverage can cost as much as $4,458 or more
Insurance rates for a Chevrolet Sonic also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Opting for high physical damage deductibles could cut rates by as much as $330 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 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 $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $4,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,300 to $1,900 extra every year, depending on your age. Chevrolet Sonic insurance for high-risk drivers can be anywhere from 43% to 129% more than the average rate. 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 $810 a year in states like Utah, Ohio, and New Hampshire, or at least $1,520 on average in New York, Michigan, and Florida.
| 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% |
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 Shop for the Cheapest Chevrolet Sonic Insurance
Finding cheaper rates on Chevrolet Sonic insurance requires avoiding accidents and violations, having good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop at every other renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The list below is a recap of the concepts that were touched on in the above illustrations.
- High-risk drivers that have major violations or accidents may pay on average $1,310 more annually for car insurance
- Teenagers are charged the highest rates, as much as $372 each month if they have full coverage
- You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $325 each year
- You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
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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