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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Estimated insurance prices for a Chevrolet Sonic are $1,164 every 12 months with full coverage. Comprehensive costs approximately $196 a year, collision costs $350, and liability insurance is estimated at $460. A policy with only liability insurance costs approximately $510 a year, with a high-risk policy costing around $2,524. Teenage drivers pay the most at $4,584 a year or more.
Average premium for full coverage: $1,164
Premium estimates by type of coverage:
Prices include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and Sonic trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Chevrolet Sonic go from the cheapest price of $510 for just the minimum liability insurance to a high of $2,524 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than densely populated cities.
The diagram below illustrates how location impacts auto insurance prices.
These rate differences demonstrate why it is important to get quotes using their specific location and their own driving history, rather than relying on 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.
Additional Rate Analysis
The chart below details estimated Chevrolet Sonic insurance rates for additional coverage and risk scenarios.
- The best discount rate is $685
- Choosing higher $1,000 deductibles can save $1,040 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,164
- Using low $100 deductibles for comp and collision coverage increases the price to $1,402
- High-risk insureds who are prone to accidents and violations could pay around $2,524 or more
- An auto insurance policy to insure a teen driver can cost $4,584 each year
Car insurance prices for a Chevrolet Sonic also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your Sonic.
Using high physical damage deductibles can save as much as $370 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Chevrolet Sonic insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,570 on average in New York, Michigan, and Florida.
| 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 best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different.
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 Shop for the Right Chevrolet Sonic Insurance
Finding better rates on Chevrolet Sonic insurance takes avoiding accidents and claims, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Spend time shopping around at every policy renewal by requesting quotes from direct companies, and also from insurance agencies where you live.
The points below are a quick rundown of the data touched on above.
- Drivers who purchase increased liability limits will pay an extra $510 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
- You may be able to save around $140 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $350 each year
- Drivers under the age of 20 pay the highest auto insurance prices, possibly costing $382 per month if the policy includes full coverage
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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