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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U.S. average insurance rates for a Chevrolet Sonic are $1,122 a year for full coverage. Comprehensive insurance costs approximately $184 a year, collision costs $306, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing $2,430 or more. Teenage drivers pay the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

Comprehensive $184
Collision $306
Liability $474

Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Sonic trim levels.

Price Range from Low to High

For a 40-year-old driver, Chevrolet Sonic insurance prices go from as low as $522 for the bare minimum liability coverage to a high of $2,430 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,122
High Risk $2,430

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance prices.

Rural Areas $842
Small Cities $1,178
Large Cities $1,515

The ranges above show why it is important to compare rates using their specific location and risk profile, instead of 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.

Additional Rate Information

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

  • The best discount rate is $665
  • Drivers who choose higher $1,000 deductibles will pay $1,010 a year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,122
  • Using low $100 deductibles for comprehensive and collision insurance will cost an extra $216 every year
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,430 or more
  • The price for full coverage for a teen driver can cost $4,458 a year

View Chart as Image

Chevrolet Sonic insurance cost comparison chart
Column chart showing full coverage Chevrolet Sonic insurance prices range from $665 to $4,458

Insurance prices for a Chevrolet Sonic are also quite variable based on your driving record, the trim level of your Sonic, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

The state you live in makes a big difference in Chevrolet Sonic insurance prices. A 40-year-old driver could pay as low as $740 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,600 on average in New York, Louisiana, and Michigan.

Chevrolet Sonic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,014 -$108 -9.6%
Alaska $860 -$262 -23.4%
Arizona $932 -$190 -16.9%
Arkansas $1,122 -$0 0.0%
California $1,278 $156 13.9%
Colorado $1,072 -$50 -4.5%
Connecticut $1,154 $32 2.9%
Delaware $1,270 $148 13.2%
Florida $1,404 $282 25.1%
Georgia $1,034 -$88 -7.8%
Hawaii $806 -$316 -28.2%
Idaho $758 -$364 -32.4%
Illinois $836 -$286 -25.5%
Indiana $844 -$278 -24.8%
Iowa $756 -$366 -32.6%
Kansas $1,068 -$54 -4.8%
Kentucky $1,530 $408 36.4%
Louisiana $1,660 $538 48.0%
Maine $692 -$430 -38.3%
Maryland $924 -$198 -17.6%
Massachusetts $898 -$224 -20.0%
Michigan $1,948 $826 73.6%
Minnesota $938 -$184 -16.4%
Mississippi $1,344 $222 19.8%
Missouri $996 -$126 -11.2%
Montana $1,204 $82 7.3%
Nebraska $884 -$238 -21.2%
Nevada $1,346 $224 20.0%
New Hampshire $808 -$314 -28.0%
New Jersey $1,254 $132 11.8%
New Mexico $994 -$128 -11.4%
New York $1,182 $60 5.3%
North Carolina $646 -$476 -42.4%
North Dakota $920 -$202 -18.0%
Ohio $774 -$348 -31.0%
Oklahoma $1,154 $32 2.9%
Oregon $1,028 -$94 -8.4%
Pennsylvania $1,072 -$50 -4.5%
Rhode Island $1,496 $374 33.3%
South Carolina $1,016 -$106 -9.4%
South Dakota $948 -$174 -15.5%
Tennessee $984 -$138 -12.3%
Texas $1,352 $230 20.5%
Utah $830 -$292 -26.0%
Vermont $768 -$354 -31.6%
Virginia $672 -$450 -40.1%
Washington $868 -$254 -22.6%
West Virginia $1,028 -$94 -8.4%
Wisconsin $778 -$344 -30.7%
Wyoming $1,000 -$122 -10.9%

View Chart as Image

Chevrolet Sonic insurance rates by U.S. city

Using high physical damage deductibles could save up to $330 every year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,300 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, and prices may be quite different from one company to the next.

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 $1,044 $87
Chevrolet Sonic LS Hatchback $1,072 $89
Chevrolet Sonic LT Hatchback $1,122 $94
Chevrolet Sonic LT Sedan $1,122 $94
Chevrolet Sonic LTZ Sedan $1,148 $96
Chevrolet Sonic LTZ Hatchback $1,174 $98
Chevrolet Sonic RS $1,226 $102

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 $196 $350 $460 $1,164
2014 Chevrolet Sonic $190 $328 $464 $1,140
2013 Chevrolet Sonic $184 $306 $474 $1,122
2012 Chevrolet Sonic $172 $284 $474 $1,088

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 Best Chevrolet Sonic Insurance

Getting lower rates on car insurance not only requires having a good driving record, but also having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at every other renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a brief recap of the concepts that were illustrated above.

  • Higher risk drivers who tend to receive serious violations may pay on average $1,310 more per year to buy Chevrolet Sonic insurance
  • Drivers age 20 and younger are the costliest to insure, with premiums as much as $372 a month including comprehensive and collision insurance
  • Drivers can save around $130 per year simply by quoting early and online
  • Increasing physical damage deductibles can save around $325 each year
  • Drivers can save around $130 per year simply by quoting early and online

Rates by Driver Age

Chevrolet Sonic Insurance Rates by Driver Age
Driver Age Premium
16 $4,458
20 $2,590
30 $1,150
40 $1,122
50 $1,028
60 $1,008

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Sonic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,338
$250 $1,238
$500 $1,122
$1,000 $1,010

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Sonic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,122
50/100 $1,321
100/300 $1,439
250/500 $1,747
100 CSL $1,368
300 CSL $1,629
500 CSL $1,819

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Sonic Insurance Rates for High Risk Drivers
Age Premium
16 $6,308
20 $4,132
30 $2,460
40 $2,430
50 $2,324
60 $2,302

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 $155

Potential Rate Discounts

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

Discount Savings
Multi-policy $58
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $72
Paid in Full/EFT $44
Advance Quote $52
Online Quote $77
Total Discounts $457
Rate after discounts $665

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

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