Chevrolet Sonic Insurance Rates

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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...

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UPDATED: Apr 30, 2024

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U.S. average auto insurance rates for a Chevrolet Sonic are $1,208 annually including full coverage. Comprehensive costs an estimated $210 a year, collision insurance costs $380, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs around $2,622. Teens pay the highest rates at up to $4,726 a year.

Average premium for full coverage: $1,208

Price estimates broken down by individual coverage:

Comprehensive $210
Collision $380
Liability $460

Price estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Sonic trim levels.

Price Range from Low to High

For a driver in their 40's, Chevrolet Sonic insurance prices range from as cheap as $510 for a discount liability-only rate to a high of $2,622 for high-risk insurance.

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

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine insurance prices.

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

The ranges above highlight why it is important to get quotes for a targeted area and their own personal driving habits, rather than relying 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.

Rates by State, City, and Model

The chart below breaks down average Chevrolet Sonic insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $705
  • Choosing higher $1,000 deductibles can save approximately $1,074 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,208
  • Selecting low $100 deductibles for comp and collision coverage will cost $1,468
  • High-risk insureds with serious driving violations could pay up to $2,622
  • The price with full coverage for a teen driver can cost as much as $4,726 each year

View Chart as Image

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

Auto insurance prices for a Chevrolet Sonic are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 138% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $400 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

The state you live in 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 have to pay at least $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

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 Buy Cheaper Chevrolet Sonic Insurance

Getting lower rates on Chevrolet Sonic insurance takes being safe and accident-free, having above-average credit, being claim-free, and consideration of higher deductibles. Invest time comparing rates every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a condensed summary of the material that was covered in the charts and tables above.

  • Drivers who want more liability protection will pay approximately $510 per year to raise limits from a low limit to higher 250/500 limits
  • Youthful drivers are the costliest to insure, possibly costing $394 a month if full coverage is included
  • High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,410 more annually than a low-risk driver
  • Increasing physical damage deductibles could save up to $400 each year

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.

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