Chevrolet Sonic Insurance Rates

The average insurance prices for a Chevrolet Sonic are $1,208 every 12 months for full coverage. Comprehensive costs approximately $210 each year, collision costs $380, and liability costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,622. Teenage drivers cost the most to insure at $4,726 a year or more.

Average premium for full coverage: $1,208

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Sonic models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities.

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

The examples above show why all drivers should compare prices using their specific location and their own driving history, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $705
• Using higher $1,000 deductibles will save $134 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,208
• Using low deductibles for physical damage coverage increases the price to $1,468
• Drivers who are prone to accidents and violations could pay around $2,622 or more
• Policy cost to insure a teen driver can cost $4,726 or more

View Chart as Image

Car insurance rates for a Chevrolet Sonic also range considerably based on liability limits and deductibles, your driver profile, and the model of your Sonic.

Using high physical damage deductibles could cut rates by as much as $400 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $4,700 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 anywhere from $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 138% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Chevrolet Sonic insurance prices. A driver around age 40 might see rates as low as $800 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,720 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 Shop for More Affordable Chevrolet Sonic Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Take the time to compare rates at least once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The list below is a summary of the primary concepts that were covered in the above illustrations.

• Drivers can save around $140 per year simply by quoting online in advance
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,410 more per year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• Teenagers pay the highest auto insurance rates, costing up to $394 each month if the policy includes full coverage