Chevrolet Sonic Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Average insurance rates for a Chevrolet Sonic are $1,140 a year including full coverage. Comprehensive costs approximately $190, collision costs $328, and liability coverage costs around $464. A policy with just liability insurance costs as low as $514 a year, with coverage for high-risk drivers costing around $2,472. Teenage drivers receive the highest rates at $4,510 a year or more.

Average premium for full coverage: $1,140

Rate estimates by individual coverage type:

Comprehensive $190
Collision $328
Liability $464

Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Sonic models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the low end price of $514 for just liability insurance to the much higher price of $2,472 for a high-risk insurance policy.

Liability Only $514
Full Coverage $1,140
High Risk $2,472

Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how where you live affects auto insurance prices.

Rural Areas $855
Small Cities $1,197
Large Cities $1,539

These examples highlight why everyone should compare prices using their specific location, rather than using average rates.

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.

More Rate Details

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

  • The best discount rate is $673
  • Using higher $1,000 deductibles will save $118 every year
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,140
  • Using pricier low deductibles for physical damage coverage bumps up the cost to $1,366
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,472 or more
  • The cost that insures a teenage driver for full coverage can cost $4,510 or more

View Chart as Image

Chevrolet Sonic insurance cost comparison chart
Column chart showing full coverage Chevrolet Sonic insurance rates range from $673 to $4,510

Insurance rates for a Chevrolet Sonic can also vary considerably based on the model of your Sonic, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 additional per year, depending on your age. Chevrolet Sonic insurance for high-risk drivers can be around 42% to 137% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

Where you live has a huge impact on Chevrolet Sonic insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,630 on average in Louisiana, New York, and Michigan.

Chevrolet Sonic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,032 -$108 -9.5%
Alaska $874 -$266 -23.3%
Arizona $948 -$192 -16.8%
Arkansas $1,140 -$0 0.0%
California $1,300 $160 14.0%
Colorado $1,088 -$52 -4.6%
Connecticut $1,172 $32 2.8%
Delaware $1,290 $150 13.2%
Florida $1,424 $284 24.9%
Georgia $1,050 -$90 -7.9%
Hawaii $818 -$322 -28.2%
Idaho $770 -$370 -32.5%
Illinois $850 -$290 -25.4%
Indiana $856 -$284 -24.9%
Iowa $770 -$370 -32.5%
Kansas $1,082 -$58 -5.1%
Kentucky $1,554 $414 36.3%
Louisiana $1,686 $546 47.9%
Maine $702 -$438 -38.4%
Maryland $940 -$200 -17.5%
Massachusetts $914 -$226 -19.8%
Michigan $1,978 $838 73.5%
Minnesota $952 -$188 -16.5%
Mississippi $1,364 $224 19.6%
Missouri $1,010 -$130 -11.4%
Montana $1,224 $84 7.4%
Nebraska $900 -$240 -21.1%
Nevada $1,364 $224 19.6%
New Hampshire $820 -$320 -28.1%
New Jersey $1,274 $134 11.8%
New Mexico $1,010 -$130 -11.4%
New York $1,200 $60 5.3%
North Carolina $656 -$484 -42.5%
North Dakota $932 -$208 -18.2%
Ohio $786 -$354 -31.1%
Oklahoma $1,170 $30 2.6%
Oregon $1,044 -$96 -8.4%
Pennsylvania $1,086 -$54 -4.7%
Rhode Island $1,520 $380 33.3%
South Carolina $1,032 -$108 -9.5%
South Dakota $962 -$178 -15.6%
Tennessee $998 -$142 -12.5%
Texas $1,374 $234 20.5%
Utah $844 -$296 -26.0%
Vermont $782 -$358 -31.4%
Virginia $682 -$458 -40.2%
Washington $880 -$260 -22.8%
West Virginia $1,044 -$96 -8.4%
Wisconsin $788 -$352 -30.9%
Wyoming $1,016 -$124 -10.9%

View Chart as Image

Chevrolet Sonic insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $350 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and rates can be significantly 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 $1,056 $88
Chevrolet Sonic LS Hatchback $1,086 $91
Chevrolet Sonic LT Hatchback $1,140 $95
Chevrolet Sonic LT Sedan $1,140 $95
Chevrolet Sonic LTZ Sedan $1,166 $97
Chevrolet Sonic LTZ Hatchback $1,192 $99
Chevrolet Sonic RS $1,246 $104

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.

Chevrolet Sonic Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Chevrolet Sonic $210 $380 $460 $1,208
2014 Chevrolet Sonic $196 $350 $460 $1,164
2013 Chevrolet Sonic $190 $328 $464 $1,140
2012 Chevrolet Sonic $184 $306 $474 $1,122

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 the Cheapest Chevrolet Sonic Insurance

Saving money on auto insurance requires being a good driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following list is a recap of the car insurance concepts touched on in the above illustrations.

  • Drivers that have major violations or accidents will likely pay on average $1,330 more per year than a safer driver
  • You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $350 each year
  • Consumers who purchase an increased level of liability coverage will pay an extra $510 per year to increase from a minimum limit to the 250/500 level

Rates by Driver Age

Chevrolet Sonic Insurance Rates by Driver Age
Driver Age Premium
16 $4,510
20 $2,636
30 $1,168
40 $1,140
50 $1,044
60 $1,024

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Sonic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,366
$250 $1,260
$500 $1,140
$1,000 $1,022

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Sonic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,140
50/100 $1,339
100/300 $1,455
250/500 $1,756
100 CSL $1,385
300 CSL $1,640
500 CSL $1,826

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Sonic Insurance Rates for High Risk Drivers
Age Premium
16 $6,384
20 $4,204
30 $2,504
40 $2,472
50 $2,364
60 $2,342

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 $158

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $76
5-yr Claim Free $73
Paid in Full/EFT $46
Advance Quote $53
Online Quote $79
Total Discounts $467
Rate after discounts $673

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

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