Chevrolet Sonic Insurance Rates

The average auto insurance rates for a Chevrolet Sonic are $1,208 annually including full coverage. Comprehensive costs on average $210 a year, collision costs $380, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,622. Teenage 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:

Full coverage includes $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Sonic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference location can make on car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down estimated Chevrolet Sonic insurance rates for different risk profiles and scenarios.

• The best discount rate is $705
• Raising to $1,000 deductibles will save around $1,074 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,208
• Using low $100 deductibles will cost $1,468
• Drivers who are prone to accidents and violations could pay upwards of $2,622 or more
• Policy cost with full coverage for a 16-year-old driver may cost $4,726

View Chart as Image

Insurance rates for a Chevrolet Sonic also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 138% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $400 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Chevrolet Sonic insurance prices. A middle-age driver might find rates as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,720 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates will be varied between companies.

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 Buy More Affordable Chevrolet Sonic Insurance

Finding cheaper rates on insurance for a Chevrolet Sonic consists of not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Make time to compare rates every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a summary of the material that was touched on in this article.

• Insureds who require higher liability limits will pay an extra $510 per year to raise from a 30/60 limit to higher 250/500 limits
• Teens pay higher rates, with premiums being up to $394 each month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,410 more each year for Sonic insurance
• Increasing comprehensive and collision deductibles could save up to $400 each year