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...
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UPDATED: Apr 30, 2024
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Average insurance rates for a Chevrolet Sonic are $1,164 a year including full coverage. Comprehensive insurance costs approximately $196, collision insurance costs $350, and liability coverage is estimated at $460. A policy with just liability insurance costs approximately $510 a year, and coverage for high-risk drivers costs $2,524 or more. 16-year-old drivers receive the highest rates at up to $4,584 a year.
Average premium for full coverage: $1,164
Rate estimates by individual coverage type:
Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all Sonic models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $510 for minimum levels of liability insurance to the much higher price of $2,524 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a large influence on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how where you live affects auto insurance prices.
These examples highlight why everyone should get quotes using their specific location, rather than using rate 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.
Additional Rate Details
The chart below breaks down average Chevrolet Sonic insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $685
- Choosing higher $1,000 deductibles can save $124 every year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,164
- Buying pricier low deductibles for comp and collision coverage will cost an additional $238 each year
- Drivers with multiple tickets or accidents could pay around $2,524
- The cost that insures a teenage driver for full coverage can cost $4,584 each year
Insurance rates for a Chevrolet Sonic can also vary considerably based on the model of your Sonic, your driving record and age, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 additional per year, depending on your age. Chevrolet Sonic insurance for high-risk drivers ranges around 44% to 134% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age
Where you live plays a big part in determining prices for Chevrolet Sonic insurance rates. A good driver about age 40 could pay as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,660 on average in Louisiana, New York, 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% |
Opting for high physical damage deductibles can save as much as $370 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
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 Affordable Chevrolet Sonic Insurance
Saving money on auto insurance takes being a safe and courteous driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Comparison shop at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.
Below is a brief review of the primary concepts that were touched on in the above illustrations.
- You may be able to save around $140 per year just by quoting online well ahead of the renewal date
- Drivers with DUI or reckless driving convictions will likely pay on average $1,360 more per year for auto insurance
- Increasing deductibles can save approximately $350 each year
- Teenage drivers are the costliest to insure, as much as $382 per month if comprehensive and collision insurance is included
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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