Chevrolet Sonic Insurance Rates

The average insurance rates for a Chevrolet Sonic are $1,164 a year with full coverage. Comprehensive costs approximately $196 a year, collision costs $350, and liability insurance is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing around $2,524. Teen drivers cost the most to insure at $4,584 a year or more.

Average premium for full coverage: $1,164

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Sonic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why it is important to compare rates quotes using their specific location and risk profile, rather than relying on price averages.

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

Additional Rate Details

The chart below details estimated Chevrolet Sonic insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $685
• Raising to $1,000 deductibles will save $1,040 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,164
• Choosing low $100 deductibles will increase the cost to $1,402
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,524 or more
• Policy cost for full coverage for a teen driver can cost $4,584

View Chart as Image

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

Older drivers with a clean driving record and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

Your home state also has a big influence on Chevrolet Sonic insurance rates. A middle-age driver might find rates as low as $840 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,570 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $370 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Cheap Chevrolet Sonic Insurance

Finding cheaper rates on Chevrolet Sonic insurance consists of being a good driver, maintaining good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick review of the primary concepts that were covered in the above illustrations.

• You may be able to save around $140 per year simply by quoting early and online
• High-risk drivers with a DUI or reckless driving violation pay on average $1,360 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save around $350 each year
• Drivers age 16 to 20 are expensive to insure, as much as $382 each month for full coverage