Chevrolet Sonic Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,366 |
| $250 | $1,260 |
| $500 | $1,140 |
| $1,000 | $1,022 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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