Chevrolet Sonic Insurance Rates

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UPDATED: Apr 30, 2024

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U.S. average insurance rates for a Chevrolet Sonic are $1,164 a year for full coverage. Comprehensive costs approximately $196 a year, collision insurance costs $350, and liability insurance is estimated at $460. A policy with just liability insurance costs approximately $510 a year, and coverage for high-risk drivers costs around $2,524. Teenage drivers pay the highest rates at up to $4,584 a year.

Average premium for full coverage: $1,164

Price estimates by individual coverage:

Comprehensive $196
Collision $350
Liability $460

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Sonic trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Chevrolet Sonic insurance prices range from the low end price of $510 for liability-only coverage to a high of $2,524 for a high-risk driver policy.

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

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

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

The ranges above show why it is important to get quotes using their specific location, rather than relying on 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.

Additional Charts and Tables

The chart below shows average Chevrolet Sonic insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $685
  • Choosing higher $1,000 deductibles can save $1,040 a year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,164
  • Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,402
  • High-risk insureds who are prone to accidents and violations could pay around $2,524
  • The price that insures a teen driver can cost $4,584 each year

View Chart as Image

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

Insurance prices for a Chevrolet Sonic are also quite variable based on the trim level of your Sonic, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Chevrolet Sonic insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,660 on average in New York, Louisiana, 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

Using high physical damage deductibles can save as much as $370 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

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 Affordable Chevrolet Sonic Insurance

Getting lower rates on Chevrolet Sonic insurance takes avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices every time your policy renews by requesting rates from direct carriers, and also from insurance agencies where you live.

The list below is a brief review of the information raised in the charts and tables above.

  • Drivers can save around $140 per year just by quoting early and online
  • Teenagers are expensive to insure, with premiums as much as $382 a month if full coverage is included
  • Increasing physical damage deductibles can save approximately $350 each year
  • High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,360 more per year for car insurance
  • Drivers who purchase higher liability limits will pay an extra $510 each year to raise limits from a low limit to the 250/500 level

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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