Chevrolet Sonic Car Insurance Cost 2025

Getting insurance for a Chevrolet Sonic costs an average of $922 per year. However, the exact price you pay can vary depending on factors like your age, the model year of the car, your driving history, and more. Use the quote tables provided below to get a personalized estimate based on your profile.

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Updated: 11 January 2025
Written by Bob Phillips
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If you’re thinking about buying a Chevrolet Sonic, one critical factor to consider is the cost of insurance. On average, insurance for a Chevrolet Sonic costs $922 per year. Insurance plays a vital role in car ownership, and it’s essential to understand its implications before making a decision.

Selecting the right car insurance policy is crucial to avoid unexpected and potentially high expenses in the future. It’s essential to have adequate coverage in case of an accident to prevent significant out-of-pocket costs. Additionally, being inadequately insured during an accident could result in hefty expenses. Additionally, potential increases in premiums may occur if you’re found at fault.

With over a decade of experience analyzing car insurance rates, I’ve observed the significant variation in these costs. Factors such as age, driving record, and location can significantly impact insurance premiums.

How Much Does A Chevrolet Sonic Car Insurance Cost?

Typically, Chevrolet Sonic drivers can secure car insurance at an average rate of $922 per year. However, actual rates may vary based on factors such as the driver’s location, driving history, and chosen coverage options.

It’s important to understand that car insurance costs can vary widely due to several factors. These include your location, driving history, the model year of your Chevrolet Sonic, and the coverage options you choose. Maintaining a clean driving record can lead to lower premiums, while a history of accidents or traffic violations typically results in higher costs.

Living in urban areas with heavy traffic may also increase your insurance rates compared to rural areas with less congestion. Furthermore, the type of coverage selected plays a role—comprehensive insurance, which covers both collision and other damage, is generally more expensive than minimum liability coverage.

As shown in the table below, the insurance cost for a Chevrolet Sonic is higher than the average for all Chevrolet models. However, it is more affordable than the average insurance cost for all cars. Insuranceopedia is here to help you compare quotes from multiple auto insurance providers to find the best deal tailored to your needs.

Vehicle Average Monthly Premium
Chevrolet Sonic $170
All Chevrolet $164
All Cars $175

Average Insurance Cost Of Chevrolet Sonic By Model Year

Model Year Average Premium
2022 Chevrolet Sonic $1,306
2020 Chevrolet Sonic $557
2019 Chevrolet Sonic $715
2018 Chevrolet Sonic $786
2017 Chevrolet Sonic $613
2016 Chevrolet Sonic $712
2015 Chevrolet Sonic $417
2014 Chevrolet Sonic $644
2013 Chevrolet Sonic $585
2012 Chevrolet Sonic $534

2022 Chevrolet Sonic Insurance Rates

The average annual insurance cost for a 2022 Chevrolet Sonic is $1,306. However, Nationwide offers the cheapest rates, averaging $922 per year.

Insurance Provider Average Annual Cost
Nationwide $922
Metropolitan $977
American Family $964
Allstate $1,003
Travelers $1,012
Mercury $1,422
Sentry $1,442
Farmers $1,561
Tower Insurance Company of New York $1,675
Unitrin $2,083

2020 Chevrolet Sonic Insurance Rates

The average annual insurance cost for a 2020 Chevrolet Sonic is $557. However, Safeco offers the cheapest rates, averaging $86 per year.

Insurance Provider Average Annual Cost
Infinity Special $717
Dairyland Auto 1 Month $331
Kemper Personal Insurance $299
NatGen Custom 360 $838
American National P $745
Mercury Insurance $504
Safeco $86
Dairyland FR Bond $528
Dairyland Broadform $550
Kemper Auto $976

2019 Chevrolet Sonic Insurance Rates

The average annual insurance cost for a 2019 Chevrolet Sonic is $715. However, Safeco offers the cheapest rates, averaging $443 per year.

Insurance Provider Average Annual Cost
Direct Auto $678
Mercury Insurance Company $781
Unigard $761
Dairyland Broadform $817
Clearcover $836
Kemper Auto Premier $448
Safeco $443
PEMCO $1,015
Kemper Personal Insurance $507
Kemper Auto | Infinity $868

2018 Chevrolet Sonic Insurance Rates

The average annual insurance cost for a 2018 Chevrolet Sonic is $786. However, Safeco offers the cheapest rates, averaging $415 per year.

Insurance Provider Average Annual Cost
Mercury Insurance $628
Safeco $415
North Carolina Farm Bureau $946
NatGen Custom 360 $580
Dairyland Broadform $788
Kemper Auto | Infinity $976
Concord Group $938
Infinity Special $714
Utica National Ins Group $984
SafeAuto $894

2017 Chevrolet Sonic Insurance Rates

The average annual insurance cost for a 2017 Chevrolet Sonic is $613. However, Safeco offers the cheapest rates, averaging $115 per year.

Insurance Provider Average Annual Cost
NatGen Custom 360 $135
Farmers Mutual of Nebraska $1,039
AssuranceAmerica Mobile Max $524
Safeco $115
Kemper Premium $775
Partners Mutual Insurance Co $1,048
Mercury Insurance $351
Dairyland Broadform $928
Kemper Personal Insurance $172
PEMCO $1,042

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2016 Chevrolet Sonic Insurance Rates

The average annual insurance cost for a 2016 Chevrolet Sonic is $712. However, Safeco offers the cheapest rates, averaging $249 per year.

Insurance Provider Average Annual Cost
Kemper Auto $738
New York Central Mutual Fire $755
MMG Insurance Company $833
Safeco $249
Dairyland Scored $1,012
Mercury Insurance $517
Utica National Ins Group $757
Virginia Farm Bureau $927
American National P $561
Titan $897

2015 Chevrolet Sonic Insurance Rates

The average annual insurance cost for a 2015 Chevrolet Sonic is $417. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $150 per year.

Insurance Provider Average Annual Cost
AssuranceAmerica Mobile Max $150
PEMCO $740
MMG Insurance Company $826
Concord Group $740
Mercury Insurance $254
Safeco $196
Kemper Personal Insurance $291
NatGen Value $435
Dairyland Broadform $239
NatGen Custom 360 $299

2014 Chevrolet Sonic Insurance Rates

The average annual insurance cost for a 2014 Chevrolet Sonic is $644. However, Safeco offers the cheapest rates, averaging $102 per year.

Insurance Provider Average Annual Cost
North Carolina Farm Bureau $939
NatGen Value $737
Clearcover $1,007
PEMCO $827
Mercury Insurance $498
Concord Group $900
Safeco $102
Utica National Ins Group $897
AssuranceAmerica Mobile Max $272
Kemper Personal Insurance $263

2013 Chevrolet Sonic Insurance Rates

The average annual insurance cost for a 2013 Chevrolet Sonic is $644. However, Safeco offers the cheapest rates, averaging $67 per year.

Insurance Provider Average Annual Cost
MMG Insurance Company $528
Patriot Group $779
Concord Group $554
PEMCO $688
Kemper Personal Insurance $492
Dairyland Broadform $545
Mercury Insurance $569
Dairyland FR Bond $795
Safeco $67
Kemper Auto | Infinity $832

2012 Chevrolet Sonic Insurance Rates

The average annual insurance cost for a 2012 Chevrolet Sonic is $534. However, NatGen Custom 360 offers the cheapest rates, averaging $127 per year.

Insurance Provider Average Annual Cost
American National P $848
AssuranceAmerica Mobile Max $148
NatGen Custom 360 $127
Mississippi Farm Bureau $772
Dairyland Broadform $238
Mercury Insurance $686
Kemper Personal Insurance $857
Safeco $151
Texas Farm Bureau Group $961
American National P&C $548

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Is A Chevrolet Sonic Expensive To Insure?

The cost to insure a Chevrolet Sonic is lower than the average for all cars. However, your premium will vary based on factors like age, location, car model year, and driving history.

Cost of Chevrolet Sonic Car Insurance By Age

Age heavily impacts car insurance rates. Teenagers face the highest premiums due to higher accident rates, while older drivers benefit from lower rates as they are considered lower-risk.

Driver Age Good Driver Recent Accident Poor Credit
17 $7,801 $11,473 $13,361
18 $7,270 $10,700 $12,522
19 $6,466 $9,472 $10,992
20 $5,565 $8,270 $9,581
21 $4,680 $6,889 $8,112
22 $4,624 $6,729 $7,856
23 $4,008 $5,840 $6,858
24 $3,797 $5,579 $6,549
25 $3,243 $4,779 $5,626
30 $2,530 $3,703 $4,434
35 $2,428 $3,551 $4,105
40 $2,298 $3,332 $3,934
45 $2,278 $3,244 $3,842
55 $2,093 $3,031 $3,534
65 $2,190 $3,111 $3,713
75 $2,738 $4,002 $4,610

Chevrolet Sonic Car Insurance Rates By State

Your location greatly influences car insurance rates. States like Michigan have higher premiums due to stricter coverage requirements. Local climate, crime rates, and accident statistics, such as thefts or crashes, also affect the cost. Insurers factor these into your Chevrolet Sonic insurance rate.

State Good Driver Recent Accident Poor Credit
Alabama $2,467 $3,534 $4,497
Alaska $2,058 $2,816 $2,746
Arizona $2,246 $3,279 $4,883
Arkansas $2,527 $3,940 $4,282
California $2,801 $4,961 $2,783
Colorado $2,564 $3,632 $4,607
Connecticut $3,289 $5,101 $6,513
Delaware $2,780 $3,690 $4,740
Florida $3,275 $4,535 $5,932
Georgia $2,694 $3,956 $4,000
Hawaii $1,092 $1,408 $1,021
Idaho $1,825 $2,433 $2,979
Illinois $1,893 $2,925 $3,311
Indiana $2,015 $3,084 $3,461
Iowa $1,549 $2,191 $2,560
Kansas $2,126 $3,086 $3,602
Kentucky $2,991 $4,417 $5,228
Louisiana $3,901 $5,928 $6,342
Maine $1,478 $2,082 $2,965
Maryland $2,399 $3,500 $3,894
Massachusetts $1,896 $3,297 $1,958
Michigan $4,626 $6,985 $11,037
Minnesota $1,888 $2,559 $3,570
Mississippi $2,265 $3,271 $3,254
Missouri $2,144 $3,108 $4,085
Montana $2,179 $3,052 $3,541
Nebraska $1,881 $2,731 $2,950
Nevada $3,084 $4,496 $4,750
New Hampshire $2,147 $3,319 $4,289
New Jersey $2,307 $3,636 $4,800
New Mexico $2,368 $3,603 $3,712
New York $2,218 $2,765 $4,666
North Carolina $1,335 $2,405 $1,679
North Dakota $1,875 $2,825 $3,407
Ohio $1,710 $2,549 $2,674
Oklahoma $2,639 $3,843 $4,361
Oregon $2,420 $3,231 $3,941
Pennsylvania $2,068 $2,975 $3,499
Rhode Island $3,397 $4,989 $5,662
South Carolina $2,365 $3,218 $4,445
South Dakota $2,123 $3,042 $3,460
Tennessee $2,426 $3,626 $4,819
Texas $2,465 $3,592 $4,406
Utah $2,058 $2,984 $4,061
Vermont $1,636 $2,538 $2,628
Virginia $1,557 $2,340 $2,337
Washington $1,992 $2,722 $3,226
West Virginia $2,063 $2,876 $3,604
Wisconsin $1,992 $3,132 $3,634
Wyoming $1,874 $2,687 $2,773

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Cheapest Car Insurance Companies For A Chevrolet Sonic

If you’re seeking affordable car insurance for your Chevrolet Sonic, Hugo offers the lowest average rate at $16 per month. Keep in mind that rates can vary based on your individual profile. Comparing quotes from multiple providers is the best way to find the right deal for you.

Company Average Monthly Rate
ACG $34
CaliforniaCasualty $35
Ohio Mutual $31
NationalGeneral $33
Hugo $16

Common Chevrolet Sonic Insurance Discounts

Discounts are a great way to reduce your Chevrolet Sonic insurance costs. Common discounts include:

  • Multi-policy: Bundling your home and auto insurance with the same provider.
  • Pay annually: Paying your premium in full upfront instead of monthly installments.
  • Defensive driving: Completing a certified defensive driving course for potential savings.

Your insurance agent can help identify other discounts you may qualify for.

Ways To Save On Chevrolet Sonic Insurance Costs

Keeping a clean driving record is one of the most effective ways to lower your Chevrolet Sonic insurance premiums. A speeding ticket or involvement in an accident can increase your rates.

For instance, Chevrolet Sonic drivers with a single ticket may pay around $96 per month, while those with multiple accidents typically see costs rise to an average of $136 per month. By avoiding these incidents, you can keep your insurance costs manageable.

Additionally, lower annual mileage can also help reduce premiums. Drivers covering between 2,501 and 5,000 miles annually usually pay about $77 per month, while those driving over 10,000 miles per year might pay closer to $80 per month.

Our Methodology

To calculate average car insurance costs, Insuranceopedia compiled thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, these figures may not reflect your specific situation, as insurance rates can vary based on individual factors.

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FAQs

Do You Need Insurance Before You Can Purchase A Chevrolet Sonic?

Yes, you’ll need to provide proof of insurance before driving your Chevrolet Sonic off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance company about your upcoming car purchase, rather than getting insurance directly through the dealership.

How Can You Get The Cheapest Insurance For Your Chevrolet Sonic?

The best way to find the most affordable insurance rates for your Chevrolet Sonic is by shopping around and comparing quotes from various auto insurance companies. Luckily, Insuranceopedia makes it easy by allowing you to compare quotes from multiple providers directly on our website.

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