Chevrolet Sonic Insurance Rates

The average auto insurance rates for a Chevrolet Sonic are $1,164 annually including full coverage. Comprehensive costs around $196, collision insurance costs $350, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs around $2,524. Teenage drivers cost the most to insure at up to $4,584 a year.

Average premium for full coverage: $1,164

Policy rates for type of insurance:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Sonic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down average Chevrolet Sonic insurance rates for additional coverage choices and driver risks.

• The best discount rate is $685
• Choosing higher $1,000 deductibles can save about $124 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,164
• Using more expensive low deductibles for comp and collision coverage will cost $1,402
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,524
• Policy cost with full coverage for a 16-year-old driver with full coverage can be $4,584 each year

View Chart as Image

Car insurance rates for a Chevrolet Sonic also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance ranges from 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $370 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Chevrolet Sonic insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,660 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Buy Low Cost Chevrolet Sonic Insurance

Finding cheaper rates on insurance for a Chevrolet Sonic takes being a good driver, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to compare rates once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a review of the data that was covered above.

• You may be able to save up to $140 per year just by shopping early and online
• Insureds who may need an increased level of liability coverage will pay an extra $510 per year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $382 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,360 more every year than a safer driver