Chevrolet Sonic Insurance Rates

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UPDATED: Apr 30, 2024

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U.S. average insurance prices for a Chevrolet Sonic are $1,164 every 12 months with full coverage. Comprehensive costs on average $196, collision costs $350, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,524. Teenage drivers pay the highest rates at $4,584 a year or more.

Average premium for full coverage: $1,164

Price estimates by individual coverage:

Comprehensive $196
Collision $350
Liability $460

Rate estimates include $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Sonic trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Chevrolet Sonic insurance prices go from the cheapest price of $510 for just liability coverage to a much higher rate of $2,524 for high-risk insurance.

Liability Only $510
Full Coverage $1,164
High Risk $2,524

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have more infrequent collision claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

Rural Areas $873
Small Cities $1,222
Large Cities $1,571

The ranges above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than 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.

Detailed Rate Analysis

The chart below details estimated Chevrolet Sonic insurance rates for different risk profiles and scenarios.

  • The best discount rate is $685
  • Using higher $1,000 deductibles will save around $124 annually
  • The average price for the average middle-age driver with $500 deductibles is $1,164
  • Using more expensive low deductibles for physical damage coverage increases the price to $1,402
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,524 or more
  • The price to insure a teenage driver with full coverage may cost $4,584 or more

View Chart as Image

Chevrolet Sonic insurance cost comparison chart
Column chart showing full coverage Chevrolet Sonic insurance rates range from $685 to $4,584

Auto insurance prices for a Chevrolet Sonic are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Sonic.

Using high physical damage deductibles could cut prices by as much as $370 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $4,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance can be around 44% to 134% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Chevrolet Sonic insurance rates. A driver around age 40 might see prices as low as $840 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,570 on average in Florida, Michigan, and New York.

Chevrolet Sonic Insurance Rates by State
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%

View Chart as Image

Chevrolet Sonic insurance rates by U.S. city

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Chevrolet Sonic Insurance Rates by Model and Trim Level
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.

Chevrolet Sonic Insurance Rates by Model Year
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 Best Chevrolet Sonic Insurance

Getting lower rates on auto insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every couple of years by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a brief recap of the material that was touched on in the above illustrations.

  • Consumers who require increased levels of liability coverage will pay an extra $510 every year to increase from a low limit to a 250/500 level
  • Drivers age 20 and younger are charged the highest prices, costing up to $382 a month if comprehensive and collision insurance is included
  • Drivers who tend to receive serious violations may pay on average $1,360 more each year to buy Chevrolet Sonic insurance
  • Increasing physical damage deductibles could save as much as $350 each year

Rates by Driver Age

Chevrolet Sonic Insurance 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

Chevrolet Sonic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,402
$250 $1,292
$500 $1,164
$1,000 $1,040

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Sonic Insurance Rates with Different Liability Limits
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

Chevrolet Sonic Insurance 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.

SR-22 Surcharge $162

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
Rate after discounts $685

Discounts are estimated and may not be available from every company or in every state.

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