Chevrolet Sonic Insurance Rates

The average insurance rates for a Chevrolet Sonic are $1,164 a year for full coverage insurance. Comprehensive insurance costs on average $196, collision costs $350, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing $2,524 or more. Teenage 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:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Sonic models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how location impacts car insurance rates.

The examples above illustrate why everyone should compare prices based on a specific location and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below illustrates estimated Chevrolet Sonic insurance rates for different risk profiles and scenarios.

• The best discount rate is $685
• Using higher $1,000 deductibles will save around $124 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,164
• Using pricier low deductibles for physical damage coverage will cost an extra $238 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,524 or more
• Policy cost for full coverage for a teenage driver for full coverage may cost $4,584 or more

View Chart as Image

Insurance rates for a Chevrolet Sonic also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

Your home state 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,570 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $370 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,400 to $2,000 additional every year, depending on your age. Chevrolet Sonic insurance for high-risk drivers can be around 44% to 134% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Chevrolet Sonic Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit history, being claim-free, and insuring your home and auto with the same company. Spend time shopping around every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a brief recap of the material that was touched on above.

• Consumers who require more liability coverage will pay an extra $510 annually to increase from a 30/60 limit to 250/500 limits
• Teen drivers pay higher rates, possibly costing $382 each month including comprehensive and collision insurance
• Drivers who tend to receive serious violations pay an average of $1,360 more each year to insure their Sonic
• Increasing comprehensive and collision deductibles can save around $350 each year