Chevrolet Sonic Insurance Rates

The average insurance rates for a Chevrolet Sonic are $1,122 a year for full coverage insurance. Comprehensive insurance costs on average $184, collision costs $306, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,430 or more. Teenage drivers cost the most to insure at $4,458 a year or more.

Average premium for full coverage: $1,122

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all Sonic models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates the difference location can make on car insurance rates.

The examples above illustrate why everyone should compare prices based on a specific location and risk profile, rather than relying on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates estimated Chevrolet Sonic insurance rates for different risk profiles and scenarios.

• The best discount rate is $665
• Using higher $1,000 deductibles will save around $112 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,122
• Using pricier low deductibles for physical damage coverage will cost an extra $216 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,430 or more
• Policy cost for full coverage for a teen driver for full coverage may cost $4,458 or more

View Chart as Image

Insurance rates for a Chevrolet Sonic also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age

Your home state has a huge impact on Chevrolet Sonic insurance rates. A driver around age 40 might see rates as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,520 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $330 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each 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 at a minimum $1,300 to $1,900 additional every year, depending on your age. Chevrolet Sonic insurance for high-risk drivers can be anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Affordable Chevrolet Sonic Insurance

Finding cheaper rates on Chevrolet Sonic insurance requires being a safe and courteous driver, having a good credit history, being claim-free, and insuring your home and auto with the same company. Make time to compare rates at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a brief review of the car insurance concepts touched on in this article.

• High-risk drivers with DUI or reckless driving convictions pay an average of $1,310 more each year for auto insurance
• It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers who require higher levels of liability will pay an extra $520 annually to increase from a 30/60 limit to 250/500 limits