Chevrolet Sonic Insurance Rates

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

Average premium for full coverage: $1,208

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Sonic models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

The examples above show why all drivers should compare rates quotes for a targeted area and risk profile, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows estimated Chevrolet Sonic insurance rates for other coverage scenarios.

• The best discount rate is $705
• Raising to $1,000 deductibles will save approximately $134 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,208
• Using low deductibles will cost an extra $260 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,622 or more
• Policy cost for full coverage for a teen driver can cost as much as $4,726

View Chart as Image

Insurance rates for a Chevrolet Sonic also range considerably based on your risk profile, the trim level of your Sonic, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,700 a year. View Rates by Age

Your home state also has a big influence on Chevrolet Sonic insurance rates. A middle-age driver might find rates as low as $800 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,720 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $400 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,500 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 138% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Affordable Chevrolet Sonic Insurance

Finding cheaper rates on Chevrolet Sonic insurance consists of avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a brief review of the car insurance concepts presented in the illustrations above.

• High-risk drivers with DUI or reckless driving convictions pay an average of $1,410 more annually for car insurance
• Drivers can save approximately $140 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $400 each year
• Drivers who want higher liability limits will pay an extra $510 each year to raise from a 30/60 limit to 250/500 limits