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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The average insurance rates for a Chevrolet Sonic are $1,164 a year including full coverage. Comprehensive insurance costs an estimated $196, collision insurance costs $350, and liability costs $460. Liability-only insurance costs as little as $510 a year, and high-risk driver insurance costs $2,524 or more. Teens cost the most to insure at up to $4,584 a year.
Average premium for full coverage: $1,164
Policy rates broken down by type of insurance:
Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Sonic trim levels.
Price Range Variability
For the normal driver, Chevrolet Sonic insurance rates range from the low end price of $510 for just liability coverage to a much higher rate of $2,524 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects insurance prices.
The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area, instead of making a decision based on averaged prices.
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.
Detailed Rate Analysis
The chart below breaks down average Chevrolet Sonic insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $685
- Drivers who choose higher $1,000 deductibles will pay approximately $124 every year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,164
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $238 annually
- Drivers with serious driving violations could pay up to $2,524
- Policy cost that insures a 16-year-old driver with full coverage can cost as much as $4,584 a year
Auto insurance rates for a Chevrolet Sonic also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are likely paying $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can cost from 44% to 134% more than the average policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,500 a year. View Rates by Age
Your home state makes a big difference in Chevrolet Sonic insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,660 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $370 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 the Right Chevrolet Sonic Insurance
Finding cheaper rates on insurance for a Chevrolet Sonic not only requires avoiding accidents and violations, but also maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare rates every couple of years by requesting quotes from direct car insurance companies, and also from your local car insurance providers.
The list below is a quick rundown of the material that was presented in the illustrations above.
- Insureds who want higher liability limits will pay approximately $510 per year to go from a 30/60 limit to the 250/500 level
- Teenagers are the costliest to insure, with premiums being up to $382 each month if the policy includes full coverage
- Drivers considered higher risk with reckless driving or DUI convictions could be charged and average of $1,360 more annually for car insurance
- Increasing comprehensive and collision deductibles can save approximately $350 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,402 |
| $250 | $1,292 |
| $500 | $1,164 |
| $1,000 | $1,040 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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