Chevrolet Sonic Insurance Rates
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Michelle Robbins
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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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Estimated insurance rates for a Chevrolet Sonic are $1,208 a year for full coverage insurance. Comprehensive insurance costs an estimated $210, collision costs $380, and liability insurance costs $460. A policy with only liability insurance costs as little as $510 a year, with a high-risk policy costing $2,622 or more. Teen drivers pay the most at $4,726 a year or more.
Average premium for full coverage: $1,208
Premium estimates broken down by type of coverage:
Rates are based on $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different Sonic trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Chevrolet Sonic go from the low end price of $510 for a discount liability-only rate to a much higher rate of $2,622 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The price range example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on price 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 other coverage scenarios.
- The lowest rate with discounts is $705
- Drivers who choose higher $1,000 deductibles will pay approximately $134 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,208
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $260 a year
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,622 or more
- An auto insurance policy that insures a teen driver with full coverage can cost as much as $4,726 a year
Car insurance prices for a Chevrolet Sonic also have a wide range based on the model year and trim level, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 42% to 138% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age
Where you choose to live makes a big difference in Chevrolet Sonic insurance rates. A 40-year-old driver could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,630 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles could save up to $400 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be substantially different.
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 Find the Best Cheap Chevrolet Sonic Insurance
Finding better rates on Chevrolet Sonic insurance not only requires not taking risks behind the wheel, but also having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Shop around at least every other year by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The following is a quick review of the car insurance concepts covered above.
- High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,410 more annually for Sonic insurance
- It is possible to save approximately $140 per year simply by shopping early and online
- Increasing policy deductibles can save approximately $400 each year
- Drivers who want higher liability limits will pay about $510 annually to go from 30/60 bodily injury limits to the 250/500 level
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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