Chevrolet Sonic Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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...

Licensed Insurance Agent

UPDATED: Apr 30, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance prices for a Chevrolet Sonic are $1,208 every 12 months including full coverage. Comprehensive costs approximately $210 each year, collision costs $380, and liability coverage is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $2,622. Teen drivers cost the most to insure at $4,726 a year or more.

Average premium for full coverage: $1,208

Policy rates by type of insurance:

Comprehensive $210
Collision $380
Liability $460

Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sonic models.

Price Range Variability

For a driver in their 40's, Chevrolet Sonic insurance rates go from the cheapest price of $510 for liability-only coverage to a high rate of $2,622 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,208
High Risk $2,622

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location helps determine auto insurance prices.

Rural Areas $906
Small Cities $1,268
Large Cities $1,631

The examples above highlight why all drivers should get quotes using their specific location and their own driving history, rather than using 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.

Additional Charts and Tables

The chart below breaks down estimated Chevrolet Sonic insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $705
  • Choosing higher $1,000 deductibles can save $134 every year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,208
  • Choosing low deductibles for comp and collision coverage increases the price to $1,468
  • Drivers with multiple violations and an at-fault accident could pay around $2,622 or more
  • Policy cost to insure a teenage driver can cost $4,726 each year

View Chart as Image

Chevrolet Sonic insurance cost comparison chart
Column chart showing full coverage Chevrolet Sonic insurance rates range from $705 to $4,726

Auto insurance rates for a Chevrolet Sonic also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Sonic.

Choosing high deductibles can save as much as $400 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges around 42% to 138% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Chevrolet Sonic insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,720 on average in Louisiana, New York, and Michigan.

Chevrolet Sonic Insurance Rates by State
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%

View Chart as Image

Chevrolet Sonic insurance rates by U.S. city

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Chevrolet Sonic Insurance Rates by Model and Trim Level
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.

Chevrolet Sonic Insurance Rates by Model Year
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 the Cheapest Chevrolet Sonic Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates every other policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a recap of the ideas that were covered in the charts and tables above.

  • Teen drivers have the highest car insurance rates, with premiums being up to $394 each month if comprehensive and collision insurance is included
  • Drivers that have major violations or accidents could be charged and average of $1,410 more per year to insure their Sonic
  • Increasing comprehensive and collision deductibles could save as much as $400 each year
  • You may be able to save around $140 per year simply by quoting online in advance

Rates by Driver Age

Chevrolet Sonic Insurance 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

Chevrolet Sonic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,468
$250 $1,346
$500 $1,208
$1,000 $1,074

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Sonic Insurance Rates with Different Liability Limits
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

Chevrolet Sonic Insurance 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.

SR-22 Surcharge $169

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
Rate after discounts $705

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles