Chevrolet Sonic Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 30, 2024
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Average insurance prices for a Chevrolet Sonic are $1,208 every 12 months with full coverage. Comprehensive costs approximately $210 a year, collision insurance costs $380, and liability coverage costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,622. Teenage drivers receive the highest rates at up to $4,726 a year.
Average premium for full coverage: $1,208
Rate estimates by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Sonic trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from the cheapest price of $510 for just liability insurance to a high of $2,622 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a large influence on the price of insurance. Rural locations tend to have more infrequent collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance prices.
These examples demonstrate why it is important to compare rates using their specific location and their own driving history, rather than 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 details average Chevrolet Sonic insurance rates for additional coverage and risk scenarios.
- The best discount rate is $705
- Drivers who choose higher $1,000 deductibles will pay $1,074 annually
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,208
- Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,468
- High-risk insureds who are prone to accidents and violations could pay around $2,622
- The cost to insure a teenage driver can cost $4,726 a year
Insurance rates for a Chevrolet Sonic can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Sonic.
Using high physical damage deductibles could save up to $400 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 138% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Chevrolet Sonic insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,630 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,094 | -$114 | -9.4% |
| Alaska | $924 | -$284 | -23.5% |
| Arizona | $1,002 | -$206 | -17.1% |
| Arkansas | $1,208 | -$0 | 0.0% |
| California | $1,376 | $168 | 13.9% |
| Colorado | $1,154 | -$54 | -4.5% |
| Connecticut | $1,242 | $34 | 2.8% |
| Delaware | $1,368 | $160 | 13.2% |
| Florida | $1,510 | $302 | 25.0% |
| Georgia | $1,114 | -$94 | -7.8% |
| Hawaii | $866 | -$342 | -28.3% |
| Idaho | $818 | -$390 | -32.3% |
| Illinois | $898 | -$310 | -25.7% |
| Indiana | $908 | -$300 | -24.8% |
| Iowa | $814 | -$394 | -32.6% |
| Kansas | $1,148 | -$60 | -5.0% |
| Kentucky | $1,648 | $440 | 36.4% |
| Louisiana | $1,786 | $578 | 47.8% |
| Maine | $746 | -$462 | -38.2% |
| Maryland | $998 | -$210 | -17.4% |
| Massachusetts | $968 | -$240 | -19.9% |
| Michigan | $2,098 | $890 | 73.7% |
| Minnesota | $1,012 | -$196 | -16.2% |
| Mississippi | $1,446 | $238 | 19.7% |
| Missouri | $1,070 | -$138 | -11.4% |
| Montana | $1,298 | $90 | 7.5% |
| Nebraska | $954 | -$254 | -21.0% |
| Nevada | $1,450 | $242 | 20.0% |
| New Hampshire | $872 | -$336 | -27.8% |
| New Jersey | $1,350 | $142 | 11.8% |
| New Mexico | $1,070 | -$138 | -11.4% |
| New York | $1,272 | $64 | 5.3% |
| North Carolina | $694 | -$514 | -42.5% |
| North Dakota | $988 | -$220 | -18.2% |
| Ohio | $834 | -$374 | -31.0% |
| Oklahoma | $1,242 | $34 | 2.8% |
| Oregon | $1,106 | -$102 | -8.4% |
| Pennsylvania | $1,152 | -$56 | -4.6% |
| Rhode Island | $1,612 | $404 | 33.4% |
| South Carolina | $1,094 | -$114 | -9.4% |
| South Dakota | $1,020 | -$188 | -15.6% |
| Tennessee | $1,058 | -$150 | -12.4% |
| Texas | $1,456 | $248 | 20.5% |
| Utah | $894 | -$314 | -26.0% |
| Vermont | $828 | -$380 | -31.5% |
| Virginia | $724 | -$484 | -40.1% |
| Washington | $936 | -$272 | -22.5% |
| West Virginia | $1,106 | -$102 | -8.4% |
| Wisconsin | $836 | -$372 | -30.8% |
| Wyoming | $1,076 | -$132 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Sonic LS Sedan | $1,114 | $93 |
| Chevrolet Sonic LS Hatchback | $1,146 | $96 |
| Chevrolet Sonic LT Hatchback | $1,208 | $101 |
| Chevrolet Sonic LT Sedan | $1,208 | $101 |
| Chevrolet Sonic LTZ Sedan | $1,238 | $103 |
| Chevrolet Sonic LTZ Hatchback | $1,270 | $106 |
| Chevrolet Sonic RS | $1,330 | $111 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Chevrolet Sonic | $238 | $484 | $442 | $1,322 |
| 2019 Chevrolet Sonic | $228 | $450 | $452 | $1,288 |
| 2018 Chevrolet Sonic | $218 | $424 | $456 | $1,256 |
| 2017 Chevrolet Sonic | $210 | $380 | $460 | $1,208 |
| 2016 Chevrolet Sonic | $196 | $350 | $460 | $1,164 |
| 2015 Chevrolet Sonic | $190 | $328 | $464 | $1,140 |
| 2014 Chevrolet Sonic | $184 | $306 | $474 | $1,122 |
| 2013 Chevrolet Sonic | $172 | $284 | $474 | $1,088 |
| 2012 Chevrolet Sonic | $166 | $258 | $478 | $1,060 |
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 Cheaper Chevrolet Sonic Insurance
Saving money on auto insurance not only requires having a decent driving record, but also having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following items are a condensed summary of the data covered in the above illustrations.
- Consumers who purchase additional liability coverage will pay an extra $510 every year to go from a minimum limit to a 250/500 level
- You may be able to save around $140 per year just by quoting early and online
- Increasing deductibles could save as much as $400 each year
- 16 to 18-year-old drivers are expensive to insure, with premiums as much as $394 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,726 |
| 20 | $2,798 |
| 30 | $1,242 |
| 40 | $1,208 |
| 50 | $1,106 |
| 60 | $1,084 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,346 |
| $500 | $1,208 |
| $1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,208 |
| 50/100 | $1,422 |
| 100/300 | $1,537 |
| 250/500 | $1,836 |
| 100 CSL | $1,468 |
| 300 CSL | $1,721 |
| 500 CSL | $1,905 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,702 |
| 20 | $4,464 |
| 30 | $2,664 |
| 40 | $2,622 |
| 50 | $2,508 |
| 60 | $2,486 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $63 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $51 |
| Advance Quote | $58 |
| Online Quote | $84 |
| Total Discounts | $503 |
Discounts are estimated and may not be available from every company or in every state.
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