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Chevrolet Sonic Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 1, 2020

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U.S. average insurance rates for a Chevrolet Sonic are $1,370 a year with full coverage. Comprehensive costs around $280 a year, collision insurance costs $542, and liability costs $390. Buying just liability costs as little as $452 a year, and insurance for high-risk drivers costs around $2,970. 16-year-old drivers pay the highest rates at up to $5,128 a year.

Average premium for full coverage: $1,370

Price estimates for individual coverage:

Comprehensive $280
Collision $542
Liability $390

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Sonic trim levels.

Price Range from Low to High

For a driver in their 40's, Chevrolet Sonic insurance prices range from as low as $452 for just the minimum liability insurance to a high of $2,970 for a driver who has had serious violations or accidents.

Liability Only $452
Full Coverage $1,370
High Risk $2,970

Geographic Price Range

Your location can have significant affects on insurance rates. Areas with sparse population have a lower frequency of collision claims than congested cities. The diagram below illustrates how location helps determine auto insurance rates.

Rural Areas $1,028
Small Cities $1,439
Large Cities $1,850

The ranges above demonstrate why it is important to compare rates for a specific zip code and risk profile, instead of 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 Analysis

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

  • The best full coverage rate is $786
  • Drivers who choose higher $1,000 deductibles will pay about $1,184 annually
  • The average rate for the average middle-age driver using $500 deductibles is $1,370
  • Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,732
  • Higher-risk drivers with multiple tickets or accidents could pay at least $2,970
  • The price for full coverage for a teen driver can be $5,128 a year

View Chart as Image

Chevrolet Sonic insurance cost comparison chart
Column chart showing Chevrolet Sonic insurance rates range from $786 to $5,128 for full coverage

Insurance prices for a Chevrolet Sonic are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $5,100 a year. View Rates by Age

The state you live in makes a big difference in Chevrolet Sonic insurance prices. A 40-year-old driver could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or at least $1,850 on average in Florida, Michigan, and New York.

Chevrolet Sonic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,238 -$132 -9.6%
Alaska $1,050 -$320 -23.4%
Arizona $1,136 -$234 -17.1%
Arkansas $1,370 -$0 0.0%
California $1,560 $190 13.9%
Colorado $1,308 -$62 -4.5%
Connecticut $1,408 $38 2.8%
Delaware $1,552 $182 13.3%
Florida $1,714 $344 25.1%
Georgia $1,266 -$104 -7.6%
Hawaii $984 -$386 -28.2%
Idaho $926 -$444 -32.4%
Illinois $1,022 -$348 -25.4%
Indiana $1,032 -$338 -24.7%
Iowa $926 -$444 -32.4%
Kansas $1,302 -$68 -5.0%
Kentucky $1,868 $498 36.4%
Louisiana $2,030 $660 48.2%
Maine $846 -$524 -38.2%
Maryland $1,130 -$240 -17.5%
Massachusetts $1,096 -$274 -20.0%
Michigan $2,382 $1,012 73.9%
Minnesota $1,144 -$226 -16.5%
Mississippi $1,640 $270 19.7%
Missouri $1,216 -$154 -11.2%
Montana $1,472 $102 7.4%
Nebraska $1,082 -$288 -21.0%
Nevada $1,642 $272 19.9%
New Hampshire $986 -$384 -28.0%
New Jersey $1,532 $162 11.8%
New Mexico $1,214 -$156 -11.4%
New York $1,444 $74 5.4%
North Carolina $790 -$580 -42.3%
North Dakota $1,122 -$248 -18.1%
Ohio $948 -$422 -30.8%
Oklahoma $1,408 $38 2.8%
Oregon $1,256 -$114 -8.3%
Pennsylvania $1,308 -$62 -4.5%
Rhode Island $1,828 $458 33.4%
South Carolina $1,242 -$128 -9.3%
South Dakota $1,154 -$216 -15.8%
Tennessee $1,202 -$168 -12.3%
Texas $1,652 $282 20.6%
Utah $1,014 -$356 -26.0%
Vermont $938 -$432 -31.5%
Virginia $820 -$550 -40.1%
Washington $1,058 -$312 -22.8%
West Virginia $1,256 -$114 -8.3%
Wisconsin $948 -$422 -30.8%
Wyoming $1,222 -$148 -10.8%

View Chart as Image

Chevrolet Sonic insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $550 every year, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,600 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

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 $1,242 $104
Chevrolet Sonic LS Hatchback $1,284 $107
Chevrolet Sonic LT Hatchback $1,370 $114
Chevrolet Sonic LT Sedan $1,370 $114
Chevrolet Sonic LTZ Sedan $1,412 $118
Chevrolet Sonic LTZ Hatchback $1,454 $121
Chevrolet Sonic RS $1,540 $128

Rates assume 2020 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 $280 $542 $390 $1,370
2019 Chevrolet Sonic $270 $536 $398 $1,362
2018 Chevrolet Sonic $260 $524 $416 $1,358
2017 Chevrolet Sonic $250 $502 $430 $1,340
2016 Chevrolet Sonic $238 $484 $442 $1,322
2015 Chevrolet Sonic $228 $450 $452 $1,288
2014 Chevrolet Sonic $218 $424 $456 $1,256
2013 Chevrolet Sonic $210 $380 $460 $1,208
2012 Chevrolet Sonic $196 $350 $460 $1,164

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 Low Cost Chevrolet Sonic Insurance

Getting lower rates on car insurance not only requires being a good driver, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates every other policy renewal by quoting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following list is a review of the ideas that were covered in the charts and tables above.

  • Drivers age 16 to 20 are charged the highest prices, costing up to $427 a month including comprehensive and collision insurance
  • Higher risk drivers who have several accidents or serious violations pay an average of $1,600 more every year than a safer driver
  • Increasing physical damage deductibles can save around $550 each year
  • You may be able to save up to $170 per year just by quoting early and online

Rates by Driver Age

Chevrolet Sonic Insurance Rates by Driver Age
Driver Age Premium
16 $5,128
20 $3,178
30 $1,428
40 $1,370
50 $1,252
60 $1,228

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Sonic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,732
$250 $1,564
$500 $1,370
$1,000 $1,184

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Sonic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,370
50/100 $1,618
100/300 $1,716
250/500 $1,969
100 CSL $1,657
300 CSL $1,872
500 CSL $2,028

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Sonic Insurance Rates for High Risk Drivers
Age Premium
16 $7,318
20 $5,056
30 $3,034
40 $2,970
50 $2,834
60 $2,810

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 $192

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $102
5-yr Claim Free $89
Paid in Full/EFT $63
Advance Quote $68
Online Quote $97
Total Discounts $584
Rate after discounts $786

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

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