Chevrolet Sonic Insurance Rates

The average auto insurance rates for a Chevrolet Sonic are $1,208 annually for full coverage. Comprehensive insurance costs approximately $210 each year, collision costs $380, and liability insurance is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $2,622 or more. Teenage drivers cost the most to insure at $4,726 a year or more.

Average premium for full coverage: $1,208

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Sonic models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

The examples above show why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

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

• The best discount rate is $705
• Raising to $1,000 deductibles will save $134 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,208
• Using low deductibles costs an additional $260 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,622 or more
• Policy cost with full coverage for a teen driver can cost $4,726

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Insurance rates for a Chevrolet Sonic also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 138% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $400 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Chevrolet Sonic insurance rates. A middle-age driver might find rates as low as $800 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,720 on average in New York, Louisiana, and Michigan.

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Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Best Chevrolet Sonic Insurance

Finding cheaper rates on Chevrolet Sonic insurance consists of having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the car insurance concepts covered in the charts and tables above.

• High-risk drivers who tend to receive serious violations pay on average $1,410 more per year than a driver with a clean driving record
• Drivers can save around $140 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Drivers who purchase additional liability coverage will pay an extra $510 each year to raise from a 30/60 limit to higher 250/500 limits