Chevrolet Sonic Insurance Rates

The average insurance rates for a Chevrolet Sonic are $1,164 a year for full coverage. Comprehensive costs approximately $196 each year, 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. Teenage drivers cost the most to insure at $4,584 a year or more.

Average premium for full coverage: $1,164

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Sonic models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

The examples above show why all drivers should compare prices using their specific location, 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 $685
• Using higher $1,000 deductibles will save $124 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,164
• Using low deductibles for physical damage coverage bumps up the cost to $1,402
• Drivers who are prone to accidents and violations could pay around $2,524 or more
• Policy cost that insures a teen driver can cost $4,584 or more

View Chart as Image

Auto insurance rates for a Chevrolet Sonic also range considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $4,500 a year. View Rates by Age

Your home state has a huge impact on Chevrolet Sonic insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,660 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $370 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

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. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 Find Affordable Chevrolet Sonic Insurance

Finding cheaper rates on Chevrolet Sonic insurance requires being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices every other policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

The items below are a brief review of the ideas that were touched on above.

• Teen drivers have the highest car insurance rates, costing up to $382 each month if the policy includes full coverage
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,360 more per year to insure their Sonic
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers can save around $140 per year simply by quoting online in advance