Chevrolet Sonic Insurance Rates
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UPDATED: Apr 30, 2024
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Average insurance rates for a Chevrolet Sonic are $1,256 a year with full coverage. Comprehensive costs approximately $218 each year, collision costs $424, and liability is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing around $2,734. Teenage drivers receive the highest rates at $4,888 a year or more.
Average premium for full coverage: $1,256
Rate estimates by individual coverage type:
Prices include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Sonic models.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $508 for a discount liability-only rate to a high rate of $2,734 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities.
The graphic below illustrates how location impacts auto insurance prices.
These examples demonstrate why all drivers should compare rates quotes using their specific location, 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.
Rates by State, City, and Model
The chart below details estimated Chevrolet Sonic insurance rates for additional coverage and risk scenarios.
- The best discount rate is $729
- Raising to $1,000 deductibles will save $146 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,256
- Using low deductibles bumps up the cost to $1,540
- At-risk drivers who are prone to accidents and violations could pay around $2,734 or more
- The cost that insures a teen driver can cost $4,888
Auto insurance rates for a Chevrolet Sonic can also vary considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,800 a year. View Rates by Age
Where you live also has a big influence on Chevrolet Sonic insurance prices. A middle-age driver might find rates as low as $910 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,700 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles can reduce rates by up to $430 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Sonic LS Sedan | $1,154 | $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 Find the Right Chevrolet Sonic Insurance
Saving money on car insurance consists of being a safe and courteous driver, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Compare prices every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a quick rundown of the material that was touched on above.
- Policyholders who purchase higher levels of liability will pay an extra $500 every year to raise from a minimum limit to the 250/500 level
- Teenage drivers have the highest car insurance rates, with premiums as much as $407 per month if the policy includes full coverage
- Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,480 more per year for auto insurance
- Increasing deductibles can save approximately $425 each year
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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