Chevrolet Sonic Insurance Rates
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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
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U.S. average insurance prices for a Chevrolet Sonic are $1,208 every 12 months for full coverage insurance. Comprehensive costs around $210, collision insurance costs $380, and liability insurance costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs around $2,622. Teenage drivers pay the highest rates at up to $4,726 a year.
Average premium for full coverage: $1,208
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Sonic trim levels.
Price Range from Low to High
For an average driver, Chevrolet Sonic insurance prices range from the cheapest price of $510 for the bare minimum liability coverage to a much higher rate of $2,622 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than relying on average rates.
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 Rate Information
The chart below illustrates average Chevrolet Sonic insurance rates for additional coverage choices and driver risks.
- The best discount rate is $705
- Using higher $1,000 deductibles will save about $134 each year
- The average price for the average middle-age driver using $500 deductibles is $1,208
- Using more expensive low deductibles for physical damage coverage increases the price to $1,468
- Drivers who are prone to accidents and violations could pay at least $2,622
- The price to insure a teen driver with full coverage can be $4,726 or more
Car insurance prices for a Chevrolet Sonic are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Using high physical damage deductibles could cut prices by as much as $400 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,000 extra each year, depending on your age. High-risk driver insurance can be anywhere from 42% to 138% more than a normal policy. View High Risk Driver Rates
The state you live in has a huge impact on Chevrolet Sonic insurance rates. A driver around age 40 might see prices as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $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
Getting lower rates on Chevrolet Sonic insurance requires being safe and accident-free, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to compare rates every year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a brief review of the coverage data covered in the above illustrations.
- It is possible to save up to $140 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $400 each year
- Youthful drivers are the costliest to insure, as much as $394 a month if the policy includes full coverage
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,410 more every year than a low-risk driver
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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