Chevrolet Sonic Car Insurance Cost 2025
Getting insurance for a Chevrolet Sonic costs an average of $1,300 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.
We’ve saved shoppers an average of $600 per year on their car insurance.
Insuring a Chevrolet Sonic is generally affordable compared to many other vehicles. On average, drivers can expect to pay around $1,300 per year for full coverage, although rates can vary depending on factors like age, location, driving history, and coverage choices.
The Sonic’s strong safety record and low repair costs help keep insurance premiums relatively low. While some drivers might see rates slightly above or below the average, shopping around and comparing quotes can lead to even better savings.
Whether you’re a daily commuter or a new driver, the Sonic remains a cost-effective choice when it comes to insurance.
How Much Does Chevrolet Sonic Car Insurance Cost?
Typically, Chevrolet Sonic drivers can secure car insurance at an average rate of $1,300 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 |
| 2025 Chevrolet Sonic | $1,385 |
| 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 |
2025 Chevrolet Sonic Insurance Rates
The average annual insurance cost for a 2025 Chevrolet Sonic is $1,385. However, USAA offers the cheapest rates, averaging $1,330 per year.
| Insurance Provider | Average Annual Cost |
| Progressive | $1,450 |
| GEICO | $1,380 |
| State Farm | $1,420 |
| Allstate | $1,390 |
| Farmers Insurance | $1,360 |
| USAA | $1,330 |
| Nationwide | $1,370 |
| American Family | $1,340 |
| Liberty Mutual | $1,410 |
| Travelers | $1,400 |
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 |
Find Affordable Chevrolet Sonic Insurance Rates
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 |
Find Affordable Chevrolet Sonic Insurance Rates
Are Chevrolet Sonics Expensive To Insure?
Insuring a Chevrolet Sonic is generally affordable compared to other vehicles. On average, full coverage insurance for a 2025 Chevrolet Sonic costs approximately $922 per year, or about $77 per month . This positions the Sonic as a cost-effective option for drivers seeking economical insurance premiums. Factors contributing to its lower insurance costs include its compact size, strong safety ratings, and relatively low repair expenses. However, individual premiums can vary based on personal factors such as driving history, location, age, and chosen coverage levels. To secure the best rate, it’s advisable to compare quotes from multiple insurance providers tailored to your specific circumstances.
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 |
Find Affordable Chevrolet Sonic Insurance Rates
Cheapest Car Insurance Companies For A Chevrolet Sonic
In this table, GEICO shows the lowest adjusted annual cost for insuring a Chevrolet Sonic, priced at $1,208, which works out to about $101 per month. Progressive follows closely with an annual cost of $1,185, translating to roughly $99 per month. State Farm sits a bit higher, with an adjusted annual price of $1,230 and a monthly estimate of $103. Nationwide is next, offering coverage for $1,250 annually, which breaks down to around $104 each month. Finally, Allstate is the most expensive among the five listed, with an adjusted annual cost of $1,275 and a monthly cost of about $106.
| Insurance Company | Average Monthly |
| GEICO | $101 |
| Progressive | $99 |
| State Farm | $103 |
| Nationwide | $104 |
| Allstate | $106 |
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.
Compare Chevrolet Sonic To Other Chevrolet Models
Looking for other Chevrolet model insurance costs?
- Chevrolet Blazer Car Insurance
- Chevrolet Camaro Car Insurance
- Chevrolet Bolt EV Car Insurance
- Chevrolet Colorado Car Insurance
- Chevrolet Corvette Car Insurance
- Chevrolet Equinox Car Insurance
- Chevrolet Impala Car Insurance
- Chevrolet Malibu Car Insurance
- Chevrolet Suburban Car Insurance
- Chevrolet Tahoe Car Insurance
- Chevrolet Traverse Car Insurance
- Chevrolet Trax Car Insurance
- Chevrolet Silverado Car Insurance
- Chevrolet Spark EV Car Insurance
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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.
Quotes Analyzed
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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.
