Chevrolet Sonic Insurance Rates

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UPDATED: Apr 30, 2024

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Estimated insurance rates for a Chevrolet Sonic are $1,164 a year including full coverage. Comprehensive costs on average $196, collision costs $350, and liability costs $460. A policy with only liability insurance costs as little as $510 a year, with a high-risk policy costing around $2,524. Teen drivers pay the most at $4,584 a year or more.

Average premium for full coverage: $1,164

Premium estimates by type of coverage:

Comprehensive $196
Collision $350
Liability $460

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all Sonic models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Chevrolet Sonic go from the low end price of $510 for a discount liability-only rate to the much higher price of $2,524 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,164
High Risk $2,524

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $873
Small Cities $1,222
Large Cities $1,571

These rate differences highlight why everyone should compare rates based on a specific location, instead of using 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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $685
  • Drivers who choose higher $1,000 deductibles will pay around $124 every year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,164
  • Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,402
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,524 or more
  • An auto insurance policy that insures a teen driver for full coverage may cost $4,584 a year

View Chart as Image

Chevrolet Sonic insurance cost comparison chart
Column chart showing full coverage Chevrolet Sonic insurance rates range from $685 to $4,584

Car insurance prices for a Chevrolet Sonic also have a wide range based on the model of your Sonic, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Chevrolet Sonic insurance for high-risk drivers can cost as much as 44% to 134% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,500 a year. View Rates by Age

Where you choose to live makes a big difference in Chevrolet Sonic insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,660 on average in Michigan, New York, and Louisiana.

Chevrolet Sonic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,054 -$110 -9.5%
Alaska $892 -$272 -23.4%
Arizona $966 -$198 -17.0%
Arkansas $1,164 -$0 0.0%
California $1,326 $162 13.9%
Colorado $1,114 -$50 -4.3%
Connecticut $1,196 $32 2.7%
Delaware $1,316 $152 13.1%
Florida $1,456 $292 25.1%
Georgia $1,074 -$90 -7.7%
Hawaii $834 -$330 -28.4%
Idaho $786 -$378 -32.5%
Illinois $866 -$298 -25.6%
Indiana $876 -$288 -24.7%
Iowa $784 -$380 -32.6%
Kansas $1,106 -$58 -5.0%
Kentucky $1,588 $424 36.4%
Louisiana $1,720 $556 47.8%
Maine $718 -$446 -38.3%
Maryland $960 -$204 -17.5%
Massachusetts $930 -$234 -20.1%
Michigan $2,020 $856 73.5%
Minnesota $974 -$190 -16.3%
Mississippi $1,392 $228 19.6%
Missouri $1,032 -$132 -11.3%
Montana $1,250 $86 7.4%
Nebraska $918 -$246 -21.1%
Nevada $1,396 $232 19.9%
New Hampshire $840 -$324 -27.8%
New Jersey $1,302 $138 11.9%
New Mexico $1,032 -$132 -11.3%
New York $1,226 $62 5.3%
North Carolina $668 -$496 -42.6%
North Dakota $952 -$212 -18.2%
Ohio $804 -$360 -30.9%
Oklahoma $1,196 $32 2.7%
Oregon $1,066 -$98 -8.4%
Pennsylvania $1,110 -$54 -4.6%
Rhode Island $1,554 $390 33.5%
South Carolina $1,054 -$110 -9.5%
South Dakota $982 -$182 -15.6%
Tennessee $1,020 -$144 -12.4%
Texas $1,402 $238 20.4%
Utah $862 -$302 -25.9%
Vermont $796 -$368 -31.6%
Virginia $698 -$466 -40.0%
Washington $902 -$262 -22.5%
West Virginia $1,066 -$98 -8.4%
Wisconsin $806 -$358 -30.8%
Wyoming $1,036 -$128 -11.0%

View Chart as Image

Chevrolet Sonic insurance rates by U.S. city

Choosing high deductibles could save up to $370 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Every company uses a different rate calculation, so rate quotes will be substantially different.

Insurance Rates by Trim Level and Model Year

Chevrolet Sonic Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Chevrolet Sonic LS Sedan $1,078 $90
Chevrolet Sonic LS Hatchback $1,106 $92
Chevrolet Sonic LT Hatchback $1,164 $97
Chevrolet Sonic LT Sedan $1,164 $97
Chevrolet Sonic LTZ Sedan $1,192 $99
Chevrolet Sonic LTZ Hatchback $1,220 $102
Chevrolet Sonic RS $1,276 $106

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.

Chevrolet Sonic Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Chevrolet Sonic $228 $450 $452 $1,288
2019 Chevrolet Sonic $218 $424 $456 $1,256
2018 Chevrolet Sonic $210 $380 $460 $1,208
2017 Chevrolet Sonic $196 $350 $460 $1,164
2016 Chevrolet Sonic $190 $328 $464 $1,140
2015 Chevrolet Sonic $184 $306 $474 $1,122
2014 Chevrolet Sonic $172 $284 $474 $1,088
2013 Chevrolet Sonic $166 $258 $478 $1,060
2012 Chevrolet Sonic $156 $236 $474 $1,024

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 Cheaper Chevrolet Sonic Insurance

Finding better rates on car insurance not only requires being a good driver, but also having a positive credit history, refrain from filing small claims, and maximizing policy discounts. Shop around at least every other year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a condensed summary of the car insurance concepts covered above.

  • Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,360 more each year than a safer driver
  • You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $350 each year
  • Policyholders who require an increased level of liability coverage will pay about $510 per year to go from 30/60 bodily injury limits to the 250/500 level

Rates by Driver Age

Chevrolet Sonic Insurance Rates by Driver Age
Driver Age Premium
16 $4,584
20 $2,696
30 $1,196
40 $1,164
50 $1,066
60 $1,046

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Sonic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,402
$250 $1,292
$500 $1,164
$1,000 $1,040

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Sonic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,164
50/100 $1,368
100/300 $1,483
250/500 $1,782
100 CSL $1,414
300 CSL $1,667
500 CSL $1,851

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Sonic Insurance Rates for High Risk Drivers
Age Premium
16 $6,496
20 $4,298
30 $2,562
40 $2,524
50 $2,416
60 $2,394

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.

SR-22 Surcharge $162

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $79
5-yr Claim Free $75
Paid in Full/EFT $48
Advance Quote $55
Online Quote $80
Total Discounts $479
Rate after discounts $685

Discounts are estimated and may not be available from every company or in every state.

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