Chevrolet Sonic Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 30, 2024
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Estimated insurance prices for a Chevrolet Sonic are $1,208 every 12 months for full coverage insurance. Comprehensive costs on average $210, collision insurance costs $380, and liability costs around $460. A policy with only liability insurance costs as low as $510 a year, and a high-risk policy costs around $2,622. 16-year-old drivers pay the most at up to $4,726 a year.
Average premium for full coverage: $1,208
Premium estimates by type of coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all Sonic models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Chevrolet Sonic range from the cheapest price of $510 for just liability insurance to the much higher price of $2,622 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than congested cities. The example below illustrates how where you live affects car insurance rates.
These rate differences illustrate why everyone should compare prices based on a specific location and their own driving history, instead of making a decision based on rate 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.
More Rate Details
The chart below illustrates average Chevrolet Sonic insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $705
- Using higher $1,000 deductibles will save around $134 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,208
- Buying pricier low deductibles for physical damage coverage increases the price to $1,468
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,622
- An auto insurance policy to insure a 16-year-old driver for full coverage may cost $4,726 or more
Car insurance prices for a Chevrolet Sonic also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Sonic.
Opting for high physical damage deductibles could cut prices by as much as $400 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $4,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,000 extra annually, depending on your age. Chevrolet Sonic insurance for high-risk drivers can be from 42% to 138% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on Chevrolet Sonic insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,630 on average in Michigan, New York, 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 Affordable Chevrolet Sonic Insurance
Finding better rates on insurance for a Chevrolet Sonic requires being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to comparison shop at every other renewal by requesting quotes from direct insurance companies, and also from several local insurance agents.
The items below are a brief review of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,410 more each year to insure their Sonic
- Teen drivers are expensive to insure, with premiums being up to $394 per month if the policy includes full coverage
- It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $400 each year
- It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date
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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