Chevrolet Sonic Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Chevrolet Sonic is less expensive to insure than the average car.

• Full coverage auto insurance for a Sonic comes in at about $169 monthly, on average, while liability only insurance normally tends to be around $86 a month.

• Hugo is the lowest car insurance company for a Sonic with a national average of just $17 monthly for liability only coverage.

Sonic Overview

The Chevrolet Sonic is a great car for drivers on a budget, with a base price of just $16,720 for 2020 models. You'll have your choice of four different trim levels, so there's a style for every driver.

After analyzing thousands of insurance quotes through Compare.com, we've found that Chevrolet Sonic auto insurance rates are about $163 a month, on average. How do insurance prices for the Sonic compare to premiums of other similar cars?

How Much is Car Insurance for a Chevrolet Sonic?

In the table above, you'll find that when you compare the Chevrolet Sonic to other vehicles, insurance prices are right around average. On average, Sonic drivers will pay about $86 per month for liability insurance, and around $169 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

When you compare it to other Chevrolet models, the Sonic's insurance premium is matches the rest of the automaker's vehicle lineup. Similarly, Sonic coverage runs close to average when compared to other vehicles of a similar body style, with liability insurance rates coming in at $3 higher than other cars and full coverage insurance premiums at $8 cheaper.

The same applies when comparing the Chevrolet Sonic to vehicles of any body type, no matter what make, model, or body style they are.

Who has the Cheapest Car Insurance for a Chevrolet Sonic?

If you're looking for a new auto insurance policy for your Chevrolet Sonic, you're likely wondering which carrier offers the most affordable rates. Even though there will never be one company that offers the cheapest prices for everyone, Hugo offers the most affordable average rates for liability only coverage, with rates sometimes as little as $17 per month. The next lowest carrier is Ohio Mutual, who offers auto insurance as cheap as $32 a month.

Finishing off the rest of the top 5 are ACG, NationalGeneral, and CaliforniaCasualty. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Car insurance carriers use a variety of factors and complex formulas to calculate premiums. There's only one way to make sure you find the most affordable possible rates, and that's by checking quotes from a whole range of car insurance companies.

What Factors Affect Car Insurance Rates for a Chevrolet Sonic?

As we mentioned above, there are numerous variables that insurance carriers take into account to calculate how much they charge you for a policy -- and each company weighs different attributes more heavily than others, so there's not a single carrier that's the cheapest for every driver.

Below are just a few of the things auto insurance companies look at and how each one affects your final rate:

Vehicle Age

Chevrolet has been making the Sonic for quite some time -- and that means the car's age may play a big role in how much you'll pay for car insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually go down.

Based on the information in the above table, the Chevrolet Sonic is an outlier, as the most expensive models to insure are those that are 6 to 7 years old, while the cheapest Sonics are 1 year old or less, on average.

Your Age

Age is another factor that makes a significant difference in how much you pay for auto insurance. Based on the information above, drivers under 18 pay more for car insurance than older drivers. In this case, drivers under 18 pay over five times as much as those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group being 65 years and older for Sonic drivers.

Your Gender

Men usually pay more for insurance than women. This is because women are less likely to get tickets and get into accidents, which decreases the chances of an insurance claim. The Chevrolet Sonic follows this convention, and men pay about 6% more than women per month for auto insurance.

Where You Live

You might think it's common sense that variables like how old you are and what vehicle you drive play a role in your car insurance premiums, but you may not realize that where you live can be just as important. Because insurance is regulated on a state-by-state basis, rates can differ quite a bit from state to state.

For example, the average Chevrolet Sonic driver in New York pays around $152 monthly for liability coverage. Meanwhile, on average, the same Californian owner will pay less than half of that price. The table above shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change between states.

Chevrolet Sonic Car Insurance Discounts

Whatever which car you drive, where you live, or how old you are, it's always in your best interest to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

Not every insurance company will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Multi-car discounts for adding more than one vehicle to your auto policy
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Multi-policy discounts for bundling your home and auto policies with the same carrier

There are countless ways to save money on your car insurance if you know where to look. Sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

While you can't control every variable auto insurance carriers consider to calculate prices (like some of the ones mentioned above), you can control some of them. Below are just a few of the things you can use in your favor in order to save on insurance:

Your Driving Record

You've most likely heard ads from car insurance companies promoting large savings for safe drivers. It should be no surprise that if you get tickets or get into an accident, insurance premiums will go up. But you still might be left wondering exactly how much collisions and moving violations will cost you.

You can see from the table above that accidents will usually cost Sonic drivers more than tickets, but both will result in higher than average rates. Chevrolet Sonic drivers with a single accident on their record pay an average of $94 each month (up $8 from the $86/mo. overall average), while drivers with one ticket will pay about $94 a month. Those with more than one of either violation will end up paying even more.

How Much You Drive

Another factor that impacts your auto insurance prices is the total amount of miles you drive each year. Those who are on the roads less often are more likely to go accident-free, so they'll typically end up paying less for car insurance. In the above table, you can see that Chevrolet Sonic owners who drive fewer than 2,500 miles every year pay about $70 monthly for insurance, while those who put 10,000 miles or more on their cars pay $82.

If you drive less often than the average driver or work from home, it may be worth reviewing usage-based or pay-per-mile car insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Chevrolet Sonics Compare to Other Vehicles?

If you're thinking about making a Chevrolet Sonic your next car, it might be helpful to do your due diligence. Auto insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Visit the table below to see how the Chevrolet Sonic compares:

With an MSRP that's less than half of the going rate for a new vehicle, the Chevrolet Sonic is a great value when it comes to price. The Sonic has an MSRP of $16,720, which is quite a bit lower than the national average vehicle MSRP of $46,538.

Although the purchase price is on the cheaper end of the spectrum, auto insurance rates run above average when compared to other vehicles on the market. Liability insurance for a Chevrolet Sonic is about $22 per month more than average, while full coverage is over $50 more a month.

When it comes to usage, Chevrolet Sonic drivers are much higher than the national average in annual miles driven, with 12,662 miles per year compared to 11,660 for all vehicles.

Chevrolet Sonic Car Insurance Costs by Model Year

We've gone over many of the factors that can affect how much the average driver pays to insure a Chevrolet Sonic. But if you're in the market for a new car, truck, or SUV and the Sonic is on your wishlist, having a good idea of how much you'll likely pay can be helpful as you consider your choices.

That's why we've decided to break down Chevrolet Sonic car insurance prices by model year. Find the model year you want in the dropdown to see average rates for both full coverage and liability only options, as well as some other helpful info, such as who offers the lowest policies, which trim levels are offered, and the base MSRP for each year the Sonic has been around.

2020 Chevrolet Sonic Car Insurance

The average cost to insure a 2020 Chevrolet Sonic with liability only coverage is $103 per month, while full coverage runs around $270 monthly.

Aspire offered the most affordable policy we found, with rates as low as $35 a month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

2019 Chevrolet Sonic Car Insurance

It costs about $106 per month for liability or $193 for a full coverage policy for the 2019 Sonic.

Commonwealth Casualty has rates sometimes as low as $26 a month for the 2019 Chevrolet Sonic.

Want to know just how much you'll pay? Just enter your ZIP code below to get lots of free customized quotes.

2018 Chevrolet Sonic Car Insurance

You can expect full coverage for a 2018 Chevrolet Sonic to run around $185 per month, while liability only coverage will average about $90 monthly.

Looking for the cheapest policy? DirectGeneral offered liability only coverage for as low as just $22 a month.

These average premiums are a great starting point if you're in the market for a 2018 Chevrolet Sonic, but there are a lot of different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2017 Chevrolet Sonic Car Insurance

On average, drivers who own a 2017 Sonic can expect to pay $87 to $189 per month for liability only and full coverage auto insurance, respectively.

We found Hugo offered the most affordable policy, with rates as little as $17 monthly.

Want something more accurate than nationwide averages? Enter your ZIP code below to get multiple free personalized quotes.

2016 Chevrolet Sonic Car Insurance

2016 Chevrolet Sonic drivers can expect to pay an average of $87 a month for liability or $173 for full coverage.

With prices as cheap as just $21 monthly, Commonwealth Casualty offered the lowest policy we found for the 2016 Chevrolet Sonic.

If you want to know exactly how much you can expect to pay for your Sonic, just enter your ZIP code below and get several free quotes in minutes.

2015 Chevrolet Sonic Car Insurance

It costs around $87 per month for liability or $164 for a full coverage policy for the 2015 Sonic.

If you're looking for the most affordable 2015 Chevrolet Sonic insurance policy, Liberty Mutual offered the cheapest policy we found, with rates as little as just $18 a month.

If you want to find the best premiums for insurance for a 2015 Chevrolet Sonic, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

2014 Chevrolet Sonic Car Insurance

2014 Chevrolet Sonic drivers can expect to pay an average of $94 monthly for liability or $167 for full coverage.

With rates sometimes as cheap as $18 per month, Commonwealth Casualty offered the most affordable policy we found.

While these are good estimates of what the average driver might pay to insure a 2014 Chevrolet Sonic, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2013 Chevrolet Sonic Car Insurance

You can expect full coverage for a 2013 Sonic to run about $159 monthly, while liability only coverage will average around $77 a month.

Dairyland offered the cheapest policy we found, with rates as little as $17 per month.

If you want to find the best prices for car insurance for a 2013 Chevrolet Sonic, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2012 Chevrolet Sonic Car Insurance

The average cost to insure a 2012 Chevrolet Sonic with liability only coverage is $85 monthly, while full coverage runs about $162 per month.

With rates sometimes as cheap as $19 a month, Safeco offered the lowest policy we found for the 2012 Chevrolet Sonic.

Interested in what your insurance rate will be? Enter your ZIP code below to get a variety of free customized quotes.

Chevrolet Sonic Insurance FAQs

Is a Chevrolet Sonic expensive to insure?

The Chevrolet Sonic is less expensive to insure compared to the average vehicle. Liability insurance runs an average of $86 per month, while full coverage will cost you around $169.

How can I get the best price on car insurance for my Chevrolet Sonic?

There's only one way to be sure you're getting the cheapest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from quite a few carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Chevrolet Sonic affect my insurance rates?

Have you heard that it costs more to insure red cars than silver or white ones before? Well, that's actually not the case. There are several things auto insurance companies look at when they decide how much your policy will be, but the color of your car is not one of them.

Do I need to have insurance before I buy a Chevrolet Sonic?

Before you can legally drive your new (or new to you) Sonic off the dealership lot, you'll need to have an insurance policy in place. Some dealerships will offer you an auto insurance policy as part of the buying process, but it's best to let your insurance company know ahead of time.

What car insurance discounts can I get for my Chevrolet Sonic?

There are a wide array of discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the Chevrolet Sonic you drive, but if your Sonic has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to contact your insurance carrier and ask about their list of discounts, since they vary quite a bit from carrier to carrier.