Chevrolet Sonic Insurance Rates

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UPDATED: Apr 30, 2024

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Estimated auto insurance rates for a Chevrolet Sonic are $1,208 annually for full coverage insurance. Comprehensive insurance costs around $210, collision insurance costs $380, and liability insurance costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,622 or more. 16-year-old drivers pay the most at up to $4,726 a year.

Average premium for full coverage: $1,208

Premium estimates for type of coverage:

Comprehensive $210
Collision $380
Liability $460

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all Sonic models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Chevrolet Sonic range from as cheap as $510 for liability-only coverage to the much higher price of $2,622 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,208
High Risk $2,622

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than congested cities. The example below illustrates how location helps determine auto insurance rates.

Rural Areas $906
Small Cities $1,268
Large Cities $1,631

These rate differences illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, rather than relying on rate 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.

Additional Charts and Tables

The chart below illustrates average Chevrolet Sonic insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $705
  • Using higher $1,000 deductibles will save about $134 each year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,208
  • Buying pricier low deductibles for physical damage coverage costs an additional $260 a year
  • Drivers with multiple tickets or accidents could pay at least $2,622
  • An auto insurance policy with full coverage for a teen driver for full coverage can be $4,726 or more

View Chart as Image

Chevrolet Sonic insurance cost comparison chart
Column chart showing Chevrolet Sonic insurance prices range from $705 to $4,726 for full coverage

Auto insurance prices for a Chevrolet Sonic also have a wide range based on the model of your Sonic, your risk profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,500 to $2,000 in extra premium annually, depending on your age. Chevrolet Sonic insurance for high-risk drivers can be anywhere from 42% to 138% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $400 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Chevrolet Sonic insurance rates. A driver around age 40 might see prices as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,630 on average in Michigan, New York, and Florida.

Chevrolet Sonic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,094 -$114 -9.4%
Alaska $924 -$284 -23.5%
Arizona $1,002 -$206 -17.1%
Arkansas $1,208 -$0 0.0%
California $1,376 $168 13.9%
Colorado $1,154 -$54 -4.5%
Connecticut $1,242 $34 2.8%
Delaware $1,368 $160 13.2%
Florida $1,510 $302 25.0%
Georgia $1,114 -$94 -7.8%
Hawaii $866 -$342 -28.3%
Idaho $818 -$390 -32.3%
Illinois $898 -$310 -25.7%
Indiana $908 -$300 -24.8%
Iowa $814 -$394 -32.6%
Kansas $1,148 -$60 -5.0%
Kentucky $1,648 $440 36.4%
Louisiana $1,786 $578 47.8%
Maine $746 -$462 -38.2%
Maryland $998 -$210 -17.4%
Massachusetts $968 -$240 -19.9%
Michigan $2,098 $890 73.7%
Minnesota $1,012 -$196 -16.2%
Mississippi $1,446 $238 19.7%
Missouri $1,070 -$138 -11.4%
Montana $1,298 $90 7.5%
Nebraska $954 -$254 -21.0%
Nevada $1,450 $242 20.0%
New Hampshire $872 -$336 -27.8%
New Jersey $1,350 $142 11.8%
New Mexico $1,070 -$138 -11.4%
New York $1,272 $64 5.3%
North Carolina $694 -$514 -42.5%
North Dakota $988 -$220 -18.2%
Ohio $834 -$374 -31.0%
Oklahoma $1,242 $34 2.8%
Oregon $1,106 -$102 -8.4%
Pennsylvania $1,152 -$56 -4.6%
Rhode Island $1,612 $404 33.4%
South Carolina $1,094 -$114 -9.4%
South Dakota $1,020 -$188 -15.6%
Tennessee $1,058 -$150 -12.4%
Texas $1,456 $248 20.5%
Utah $894 -$314 -26.0%
Vermont $828 -$380 -31.5%
Virginia $724 -$484 -40.1%
Washington $936 -$272 -22.5%
West Virginia $1,106 -$102 -8.4%
Wisconsin $836 -$372 -30.8%
Wyoming $1,076 -$132 -10.9%

View Chart as Image

Chevrolet Sonic insurance rates by U.S. city

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 $1,114 $93
Chevrolet Sonic LS Hatchback $1,146 $96
Chevrolet Sonic LT Hatchback $1,208 $101
Chevrolet Sonic LT Sedan $1,208 $101
Chevrolet Sonic LTZ Sedan $1,238 $103
Chevrolet Sonic LTZ Hatchback $1,270 $106
Chevrolet Sonic RS $1,330 $111

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 $238 $484 $442 $1,322
2019 Chevrolet Sonic $228 $450 $452 $1,288
2018 Chevrolet Sonic $218 $424 $456 $1,256
2017 Chevrolet Sonic $210 $380 $460 $1,208
2016 Chevrolet Sonic $196 $350 $460 $1,164
2015 Chevrolet Sonic $190 $328 $464 $1,140
2014 Chevrolet Sonic $184 $306 $474 $1,122
2013 Chevrolet Sonic $172 $284 $474 $1,088
2012 Chevrolet Sonic $166 $258 $478 $1,060

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 Buy More Affordable Chevrolet Sonic Insurance

Finding better rates on Chevrolet Sonic insurance requires having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates every other policy renewal by requesting quotes from direct insurance companies, and also from several local insurance agents.

The following items are a summary of the ideas that were covered in the charts and tables above.

  • 16 to 18-year-old drivers are expensive to insure, with premiums being up to $394 per month if full coverage is included
  • High-risk drivers who have multiple accidents or major violations pay on average $1,410 more every year than a driver with a clean driving record
  • Increasing policy deductibles could save up to $400 each year
  • It is possible to save up to $140 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Chevrolet Sonic Insurance Rates by Driver Age
Driver Age Premium
16 $4,726
20 $2,798
30 $1,242
40 $1,208
50 $1,106
60 $1,084

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Sonic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,468
$250 $1,346
$500 $1,208
$1,000 $1,074

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Sonic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,208
50/100 $1,422
100/300 $1,537
250/500 $1,836
100 CSL $1,468
300 CSL $1,721
500 CSL $1,905

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Sonic Insurance Rates for High Risk Drivers
Age Premium
16 $6,702
20 $4,464
30 $2,664
40 $2,622
50 $2,508
60 $2,486

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 $169

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $83
5-yr Claim Free $78
Paid in Full/EFT $51
Advance Quote $58
Online Quote $84
Total Discounts $503
Rate after discounts $705

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

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