Chevrolet Sonic Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 30, 2024
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U.S. average insurance rates for a Chevrolet Sonic are $1,164 a year for full coverage. Comprehensive insurance costs approximately $196, collision insurance costs $350, and liability insurance is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs $2,524 or more. Teen drivers pay the highest rates at up to $4,584 a year.
Average premium for full coverage: $1,164
Price estimates by individual coverage:
Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all Sonic models.
Price Range from Low to High
For the average driver, Chevrolet Sonic insurance prices range from as low as $510 for just liability insurance to the much higher price of $2,524 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than larger metro areas. The example below illustrates how location impacts auto insurance prices.
The ranges above show why everyone should get quotes using their specific location and risk profile, rather than relying on price 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.
More Rate Details
The chart below shows average Chevrolet Sonic insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $685
- Choosing higher $1,000 deductibles can save $124 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,164
- Choosing pricier low deductibles for comp and collision coverage will cost an extra $238 a year
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,524
- The price for full coverage for a teen driver for full coverage can cost $4,584 each year
Insurance prices for a Chevrolet Sonic are also quite variable based on your driving record, the trim level of your Sonic, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age
The state you live in plays a big part in determining prices for Chevrolet Sonic insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or as much as $1,660 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,054 | -$110 | -9.5% |
| Alaska | $892 | -$272 | -23.4% |
| Arizona | $966 | -$198 | -17.0% |
| Arkansas | $1,164 | -$0 | 0.0% |
| California | $1,326 | $162 | 13.9% |
| Colorado | $1,114 | -$50 | -4.3% |
| Connecticut | $1,196 | $32 | 2.7% |
| Delaware | $1,316 | $152 | 13.1% |
| Florida | $1,456 | $292 | 25.1% |
| Georgia | $1,074 | -$90 | -7.7% |
| Hawaii | $834 | -$330 | -28.4% |
| Idaho | $786 | -$378 | -32.5% |
| Illinois | $866 | -$298 | -25.6% |
| Indiana | $876 | -$288 | -24.7% |
| Iowa | $784 | -$380 | -32.6% |
| Kansas | $1,106 | -$58 | -5.0% |
| Kentucky | $1,588 | $424 | 36.4% |
| Louisiana | $1,720 | $556 | 47.8% |
| Maine | $718 | -$446 | -38.3% |
| Maryland | $960 | -$204 | -17.5% |
| Massachusetts | $930 | -$234 | -20.1% |
| Michigan | $2,020 | $856 | 73.5% |
| Minnesota | $974 | -$190 | -16.3% |
| Mississippi | $1,392 | $228 | 19.6% |
| Missouri | $1,032 | -$132 | -11.3% |
| Montana | $1,250 | $86 | 7.4% |
| Nebraska | $918 | -$246 | -21.1% |
| Nevada | $1,396 | $232 | 19.9% |
| New Hampshire | $840 | -$324 | -27.8% |
| New Jersey | $1,302 | $138 | 11.9% |
| New Mexico | $1,032 | -$132 | -11.3% |
| New York | $1,226 | $62 | 5.3% |
| North Carolina | $668 | -$496 | -42.6% |
| North Dakota | $952 | -$212 | -18.2% |
| Ohio | $804 | -$360 | -30.9% |
| Oklahoma | $1,196 | $32 | 2.7% |
| Oregon | $1,066 | -$98 | -8.4% |
| Pennsylvania | $1,110 | -$54 | -4.6% |
| Rhode Island | $1,554 | $390 | 33.5% |
| South Carolina | $1,054 | -$110 | -9.5% |
| South Dakota | $982 | -$182 | -15.6% |
| Tennessee | $1,020 | -$144 | -12.4% |
| Texas | $1,402 | $238 | 20.4% |
| Utah | $862 | -$302 | -25.9% |
| Vermont | $796 | -$368 | -31.6% |
| Virginia | $698 | -$466 | -40.0% |
| Washington | $902 | -$262 | -22.5% |
| West Virginia | $1,066 | -$98 | -8.4% |
| Wisconsin | $806 | -$358 | -30.8% |
| Wyoming | $1,036 | -$128 | -11.0% |
Choosing high deductibles can save as much as $370 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,400 to $2,000 additional each year, depending on your age. Chevrolet Sonic insurance for high-risk drivers ranges anywhere from 44% to 134% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Sonic LS Sedan | $1,078 | $90 |
| Chevrolet Sonic LS Hatchback | $1,106 | $92 |
| Chevrolet Sonic LT Hatchback | $1,164 | $97 |
| Chevrolet Sonic LT Sedan | $1,164 | $97 |
| Chevrolet Sonic LTZ Sedan | $1,192 | $99 |
| Chevrolet Sonic LTZ Hatchback | $1,220 | $102 |
| Chevrolet Sonic RS | $1,276 | $106 |
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 | $228 | $450 | $452 | $1,288 |
| 2019 Chevrolet Sonic | $218 | $424 | $456 | $1,256 |
| 2018 Chevrolet Sonic | $210 | $380 | $460 | $1,208 |
| 2017 Chevrolet Sonic | $196 | $350 | $460 | $1,164 |
| 2016 Chevrolet Sonic | $190 | $328 | $464 | $1,140 |
| 2015 Chevrolet Sonic | $184 | $306 | $474 | $1,122 |
| 2014 Chevrolet Sonic | $172 | $284 | $474 | $1,088 |
| 2013 Chevrolet Sonic | $166 | $258 | $478 | $1,060 |
| 2012 Chevrolet Sonic | $156 | $236 | $474 | $1,024 |
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
Getting lower rates on Chevrolet Sonic insurance takes being safe and accident-free, having a good credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Spend time shopping around every other policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a quick rundown of the ideas that were touched on above.
- Youthful drivers are the costliest to insure, with premiums as much as $382 a month including comprehensive and collision insurance
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,360 more per year than a low-risk driver
- Increasing physical damage deductibles can save around $350 each year
- Drivers can save around $140 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,584 |
| 20 | $2,696 |
| 30 | $1,196 |
| 40 | $1,164 |
| 50 | $1,066 |
| 60 | $1,046 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,402 |
| $250 | $1,292 |
| $500 | $1,164 |
| $1,000 | $1,040 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,164 |
| 50/100 | $1,368 |
| 100/300 | $1,483 |
| 250/500 | $1,782 |
| 100 CSL | $1,414 |
| 300 CSL | $1,667 |
| 500 CSL | $1,851 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,496 |
| 20 | $4,298 |
| 30 | $2,562 |
| 40 | $2,524 |
| 50 | $2,416 |
| 60 | $2,394 |
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 | $60 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $80 |
| Total Discounts | $479 |
Discounts are estimated and may not be available from every company or in every state.
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