Chevrolet Sonic Insurance Rates

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UPDATED: Apr 30, 2024

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The average insurance rates for a Chevrolet Sonic are $1,164 a year for full coverage. Comprehensive insurance costs around $196 a year, collision insurance costs $350, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $2,524 or more. 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:

Comprehensive $196
Collision $350
Liability $460

Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and Sonic trim levels.

Price Range Variability

For the average driver, Chevrolet Sonic insurance rates range from as low as $510 for just liability insurance to a high of $2,524 for a driver that may need high-risk insurance.

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

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

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

The examples above show why it is important to compare rates for a specific zip code and risk profile, instead of 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.

More Rate Details

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

  • The best discount rate is $685
  • Drivers who choose higher $1,000 deductibles will pay about $1,040 a year
  • The average rate for a good driver age 40 using $500 deductibles is $1,164
  • Using low $100 deductibles for comprehensive and collision insurance will cost an extra $238 every year
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,524
  • Policy cost for full coverage for a teen driver can be $4,584 a year

View Chart as Image

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

Insurance rates for a Chevrolet Sonic also range considerably based on your risk profile, the trim level of your Sonic, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,500 a year. View Rates by Age

Your home state makes a big difference in Chevrolet Sonic insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,660 on average in Michigan, Louisiana, 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

Using high physical damage deductibles could save up to $370 every year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 134% more than a normal policy. 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 $1,078 $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 Find Cheaper Chevrolet Sonic Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a condensed summary of the data that was touched on above.

  • Drivers can save up to $140 per year just by quoting early and online
  • Policyholders who may need more liability coverage will pay an extra $510 each year to go from a 30/60 limit to 250/500 limits
  • Teen drivers are charged the highest rates, costing up to $382 each month including comprehensive and collision insurance
  • Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,360 more every year to insure their Sonic

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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