Chevrolet Sonic Insurance Rates
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UPDATED: Apr 30, 2024
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Average auto insurance rates for a Chevrolet Sonic are $1,256 annually with full coverage. Comprehensive costs around $218 a year, collision insurance costs $424, and liability coverage costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $2,734. Teenage drivers receive the highest rates at up to $4,888 a year.
Average premium for full coverage: $1,256
Rate estimates for individual coverage type:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Sonic trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $508 for a discount liability-only rate to a high of $2,734 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance rates.
These examples demonstrate why it is important to compare rates for a specific zip code and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below details average Chevrolet Sonic insurance rates for additional coverage choices and driver risks.
- The best discount rate is $729
- Drivers who choose higher $1,000 deductibles will pay about $1,110 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,256
- Using low $100 deductibles for comprehensive and collision insurance will cost $1,540
- High-risk insureds who are prone to accidents and violations could pay at least $2,734
- The cost with full coverage for a teenage driver can be $4,888 a year
Insurance rates for a Chevrolet Sonic can also vary considerably based on the trim level of your Sonic, your driving record, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $430 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Chevrolet Sonic insurance rates. A 40-year-old driver could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,700 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,136 | -$120 | -9.6% |
| Alaska | $964 | -$292 | -23.2% |
| Arizona | $1,044 | -$212 | -16.9% |
| Arkansas | $1,256 | -$0 | 0.0% |
| California | $1,432 | $176 | 14.0% |
| Colorado | $1,202 | -$54 | -4.3% |
| Connecticut | $1,290 | $34 | 2.7% |
| Delaware | $1,422 | $166 | 13.2% |
| Florida | $1,572 | $316 | 25.2% |
| Georgia | $1,158 | -$98 | -7.8% |
| Hawaii | $904 | -$352 | -28.0% |
| Idaho | $848 | -$408 | -32.5% |
| Illinois | $938 | -$318 | -25.3% |
| Indiana | $948 | -$308 | -24.5% |
| Iowa | $848 | -$408 | -32.5% |
| Kansas | $1,194 | -$62 | -4.9% |
| Kentucky | $1,714 | $458 | 36.5% |
| Louisiana | $1,858 | $602 | 47.9% |
| Maine | $778 | -$478 | -38.1% |
| Maryland | $1,036 | -$220 | -17.5% |
| Massachusetts | $1,004 | -$252 | -20.1% |
| Michigan | $2,184 | $928 | 73.9% |
| Minnesota | $1,052 | -$204 | -16.2% |
| Mississippi | $1,504 | $248 | 19.7% |
| Missouri | $1,114 | -$142 | -11.3% |
| Montana | $1,350 | $94 | 7.5% |
| Nebraska | $990 | -$266 | -21.2% |
| Nevada | $1,506 | $250 | 19.9% |
| New Hampshire | $906 | -$350 | -27.9% |
| New Jersey | $1,402 | $146 | 11.6% |
| New Mexico | $1,112 | -$144 | -11.5% |
| New York | $1,324 | $68 | 5.4% |
| North Carolina | $724 | -$532 | -42.4% |
| North Dakota | $1,028 | -$228 | -18.2% |
| Ohio | $868 | -$388 | -30.9% |
| Oklahoma | $1,290 | $34 | 2.7% |
| Oregon | $1,150 | -$106 | -8.4% |
| Pennsylvania | $1,198 | -$58 | -4.6% |
| Rhode Island | $1,676 | $420 | 33.4% |
| South Carolina | $1,138 | -$118 | -9.4% |
| South Dakota | $1,060 | -$196 | -15.6% |
| Tennessee | $1,100 | -$156 | -12.4% |
| Texas | $1,514 | $258 | 20.5% |
| Utah | $932 | -$324 | -25.8% |
| Vermont | $862 | -$394 | -31.4% |
| Virginia | $754 | -$502 | -40.0% |
| Washington | $970 | -$286 | -22.8% |
| West Virginia | $1,150 | -$106 | -8.4% |
| Wisconsin | $870 | -$386 | -30.7% |
| Wyoming | $1,118 | -$138 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Sonic LS Sedan | $1,154 | $96 |
| Chevrolet Sonic LS Hatchback | $1,188 | $99 |
| Chevrolet Sonic LT Hatchback | $1,256 | $105 |
| Chevrolet Sonic LT Sedan | $1,256 | $105 |
| Chevrolet Sonic LTZ Sedan | $1,290 | $108 |
| Chevrolet Sonic LTZ Hatchback | $1,324 | $110 |
| Chevrolet Sonic RS | $1,390 | $116 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Chevrolet Sonic | $250 | $502 | $430 | $1,340 |
| 2019 Chevrolet Sonic | $238 | $484 | $442 | $1,322 |
| 2018 Chevrolet Sonic | $228 | $450 | $452 | $1,288 |
| 2017 Chevrolet Sonic | $218 | $424 | $456 | $1,256 |
| 2016 Chevrolet Sonic | $210 | $380 | $460 | $1,208 |
| 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 Buy More Affordable Chevrolet Sonic Insurance
Saving money on auto insurance not only requires being a good driver, but also having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest time comparing rates at least once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a summary of the primary concepts that were covered in the charts and tables above.
- You may be able to save up to $150 per year just by quoting early and online
- Drivers who have multiple accidents or major violations may pay on average $1,480 more every year than a safer driver
- Increasing deductibles could save up to $425 each year
- Drivers age 16 to 20 pay higher rates, with premiums as much as $407 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,888 |
| 20 | $2,922 |
| 30 | $1,296 |
| 40 | $1,256 |
| 50 | $1,152 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,540 |
| $250 | $1,408 |
| $500 | $1,256 |
| $1,000 | $1,110 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,256 |
| 50/100 | $1,481 |
| 100/300 | $1,595 |
| 250/500 | $1,892 |
| 100 CSL | $1,527 |
| 300 CSL | $1,778 |
| 500 CSL | $1,960 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,946 |
| 20 | $4,662 |
| 30 | $2,778 |
| 40 | $2,734 |
| 50 | $2,616 |
| 60 | $2,592 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $88 |
| Total Discounts | $527 |
Discounts are estimated and may not be available from every company or in every state.
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