Chevrolet Sonic Insurance Rates

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UPDATED: Apr 30, 2024

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Average insurance rates for a Chevrolet Sonic are $1,164 a year for full coverage insurance. Comprehensive costs an estimated $196, collision costs $350, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,524. Teenage drivers receive the highest rates at $4,584 a year or more.

Average premium for full coverage: $1,164

Rate estimates broken down by individual coverage type:

Comprehensive $196
Collision $350
Liability $460

Estimates include $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Sonic trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $510 for your basic liability-only policy to a much higher rate of $2,524 for high-risk insurance.

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

Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates the effect of geographic area on insurance prices.

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

These examples illustrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, 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.

More Rate Information

The chart below illustrates estimated Chevrolet Sonic insurance rates for other coverage scenarios.

  • The best discount rate is $685
  • Using higher $1,000 deductibles will save approximately $124 each year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,164
  • Using more expensive low deductibles for physical damage coverage will increase the cost to $1,402
  • Drivers who are prone to accidents and violations could pay up to $2,524 or more
  • The cost for full coverage for a teen driver with full coverage can cost as much as $4,584 or more

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

Car insurance rates for a Chevrolet Sonic can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

An older driver with no driving violations and high deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,500 a year. View Rates by Age

Where you live has a huge impact on Chevrolet Sonic insurance rates. A driver around age 40 might see rates as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $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

Using high physical damage deductibles could cut rates by as much as $370 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can be anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

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 Low Cost Chevrolet Sonic Insurance

Saving money on Chevrolet Sonic insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to compare rates every couple of years by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following is a review of the material that was covered in the above illustrations.

  • Drivers who want higher liability limits will pay an extra $510 annually to increase from a minimum limit to 250/500 limits
  • Teens have the highest car insurance rates, costing up to $382 per month if full coverage is included
  • High-risk drivers who have several accidents or serious violations pay on average $1,360 more annually for Sonic insurance
  • Increasing deductibles can save around $350 each year

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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