Chevrolet Sonic Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 30, 2024
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Estimated auto insurance rates for a Chevrolet Sonic are $1,164 annually for full coverage. Comprehensive costs on average $196, collision costs $350, and liability insurance costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing around $2,524. Teens pay the most at $4,584 a year or more.
Average premium for full coverage: $1,164
Premium estimates by type of coverage:
Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different Sonic trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Chevrolet Sonic go from as cheap as $510 for liability-only coverage to a much higher rate of $2,524 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer accident claims than cities with more traffic congestion.
The price range example below illustrates how your location can change car insurance rates.
These rate differences show why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than relying on averaged prices.
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.
Additional Charts and Tables
The chart below shows estimated Chevrolet Sonic insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $685
- Using higher $1,000 deductibles will save around $124 a year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,164
- Selecting more expensive low deductibles for physical damage coverage will cost $1,402
- Drivers with serious driving violations could pay upwards of $2,524 or more
- An auto insurance policy with full coverage for a teen driver with full coverage may cost $4,584 or more
Insurance prices for a Chevrolet Sonic also have a wide range based on the model of your Sonic, your driver profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $370 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Chevrolet Sonic insurance rates. A driver around age 40 might see prices as low as $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,660 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know exactly what you will pay is to compare prices from as many companies as possible. Each insurance company calculates prices differently, and prices will be substantially different between companies.
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 Buy Low Cost Chevrolet Sonic Insurance
Finding better rates on Chevrolet Sonic insurance requires not taking risks behind the wheel, having good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around every other policy renewal by requesting rates from direct carriers, and also from local insurance agents.
The following is a review of the ideas that were illustrated above.
- Teens pay higher prices, as much as $382 per month if they have full coverage
- High-risk drivers who have several accidents or serious violations may be required to pay an average of $1,360 more each year for Sonic insurance
- Increasing policy deductibles could save up to $350 each year
- Drivers can save as much as $140 per year simply by shopping early and online
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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