Chevrolet Sonic Insurance Rates

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UPDATED: Apr 30, 2024

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The average insurance prices for a Chevrolet Sonic are $1,164 every 12 months for full coverage insurance. Comprehensive costs approximately $196 each year, collision costs $350, and liability insurance is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $2,524. 16-year-old 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:

Comprehensive $196
Collision $350
Liability $460

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Sonic models.

Price Range Variability

For the normal driver, Chevrolet Sonic insurance rates go from the cheapest price of $510 for a discount liability-only rate to a high rate of $2,524 for a driver who requires high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities.

The graphic below illustrates how geographic area affects auto insurance prices.

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

The examples above illustrate why all drivers should get quotes using their specific location and their own driving history, rather than relying on 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.

Rates by State, City, and Model

The chart below illustrates estimated 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 each year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,164
  • Buying low deductibles for comp and collision coverage increases the price to $1,402
  • High-risk insureds with multiple tickets or accidents could pay around $2,524 or more
  • Policy cost to insure a teen driver can cost $4,584 each year

View Chart as Image

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

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

Opting for high physical damage deductibles can save as much as $370 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Chevrolet Sonic insurance rates. A good driver about age 40 could pay as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,570 on average in Florida, New York, and Michigan.

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

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates will be varied.

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 Shop for Affordable Chevrolet Sonic Insurance

Finding cheaper rates on Chevrolet Sonic insurance takes avoiding accidents and claims, having good credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates at every other renewal by getting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a brief review of the concepts that were presented in the illustrations above.

  • High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,360 more per year to insure a Chevrolet Sonic
  • Drivers under the age of 20 are expensive to insure, possibly costing $382 each month if they have full coverage
  • It is possible to save around $140 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $350 each year
  • It is possible to save around $140 per year simply by quoting online in advance

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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