Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Chevrolet Sonic? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Chevrolet Sonic car insurance facts

  • Average full coverage auto insurance premium: $96/month

  • Most affordable companies: GEICO ($69/month) & Nationwide ($73/month)

  • Sonic car insurance cost vs. average rates: $68 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Chevy Sonic by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Chevrolet Sonic insurer costs by state:

Risk factors affecting Chevrolet Sonic car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Chevy Sonic car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Chevrolet models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Chevrolet automobile brand

Chevrolet or referred to as Chevy, is a vehicle brand of General Motors specializing in popular, affordable cars for the United States market. The target market of Chevy is middle-class customers and the more affluent for higher-end models such as Cadillac. Chevrolet focuses on high quality, advanced technology, creative designs, and affordability. All Chevrolet automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Chevrolet Corvette, Tahoe, Silverado, and Suburban are some of their most popular vehicles.

Higher than average Chevy Sonic repair costs equal higher car insurance rates

Many consumers are attracted to Chevrolet’s creative designs, increased fuel efficiency, and driver-assist technologies, like Chevy’s Enhanced Driver Alert Package. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Chevrolet is higher than average since repair parts are slightly more expensive. For this reason, many Chevrolets are going to have higher than average car insurance rates to similar cars in their class.

Rapid depreciation for Chevrolet Sonic affecting auto policies

Another factor to consider for Chevrolets is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Chevy models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Chevrolets are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as the Driver Alert Technology Package, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Chevrolet models. The Chevrolet Equinox, Cruze, and Bolt EV are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Chevy automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Chevrolet automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Chevrolet Sonic

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1519
Acuity$1634
Allstate$1171
American Family$1036
Erie$895
GEICO$833
Kentucky Farm Bureau$1264
Liberty Mutual$1020
Mercury$1121
Nationwide$861
Progressive$1214
Safe Auto$1189
State Farm$1159
Tennessee Farmers$1053
Texas Farm Bureau$1156
The Hanover$1456
Travelers$1084
USAA$916

Compare all 2021 Chevrolet Sonic rates

Average Cost to Insure Per Year

$1160

List Price

$17595

Trims Available

LS Manual - LS Auto - LT Auto Fleet - LT Manual - LT Auto - Premier Manual - Premier Auto - Engine: 1.4-liter turbocharged four-cylinder engine that produces 138 horsepower with Chevy Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2020 Chevrolet Sonic

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1516
Allstate$1147
American Family$942
Erie$875
Farmers$1326
GEICO$826
Liberty Mutual$916
Mercury$1036
Nationwide$833
Progressive$1316
State Farm$1140
Tennessee Farmers$989
Texas Farm Bureau$1060
The Hanover$1436
Travelers$1259
USAA$902

Compare all 2020 Chevrolet Sonic rates

Average Cost to Insure Per Year

$1130

List Price

$16720

Trims Available

LS Manual - LS Auto - LT Auto Fleet - LT Manual - LT Auto - Premier Manual - Premier Auto - Engine: 1.4-liter turbocharged four-cylinder engine that produces 138 horsepower with Chevy Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2019 Chevrolet Sonic

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1507
Allstate$1146
American Family$916
Erie$865
GEICO$821
Kentucky Farm Bureau$1325
Liberty Mutual$906
Mercury$1029
Nationwide$830
Progressive$1306
State Farm$1135
Tennessee Farmers$935
Texas Farm Bureau$1058
The Hanover$1429
Travelers$1250
USAA$899

Compare all 2019 Chevrolet Sonic rates

Average Cost to Insure Per Year

$1090

List Price

$15420

Trims Available

LS Manual - LS Auto - LT Auto Fleet - LT Manual - LT Auto - Premier Manual - Premier Auto - Engine: 1.4-liter turbocharged four-cylinder engine that produces 138 horsepower with Chevy Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2018 Chevrolet Sonic

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1200
Acuity$ 1200
American Family$ 1129
American Family$ 1129
Erie$ 725
Erie$ 725
GEICO$ 759
GEICO$ 759
Mercury$ 1111
Mercury$ 1111
Nationwide$ 1084
Nationwide$ 1084
Plymouth Rock Insurance$ 1144
Plymouth Rock Insurance$ 1144
Progressive$ 802
Progressive$ 802
State Farm$ 928
State Farm$ 928
Tennessee Farmers$ 1056
Tennessee Farmers$ 1056
USAA$ 805
USAA$ 805
Vermont Mutual$ 1130
Vermont Mutual$ 1130

Compare all 2018 Chevrolet Sonic rates

Average Cost to Insure Per Year

$ 1068

List Price

$ 15295

Trims Available

LS Manual - LS Auto - LT Auto Fleet - LT Manual - LT Auto - Premier Manual - Premier Auto

2017 Chevrolet Sonic

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1000
American Family$ 1000
Erie$ 647
Erie$ 647
GEICO$ 577
GEICO$ 577
Mercury$ 1047
Mercury$ 1047
Nationwide$ 1032
Nationwide$ 1032
Plymouth Rock Insurance$ 1107
Plymouth Rock Insurance$ 1107
Progressive$ 724
Progressive$ 724
State Farm$ 763
State Farm$ 763
Tennessee Farmers$ 1006
Tennessee Farmers$ 1006
Texas Farm Bureau$ 905
Texas Farm Bureau$ 905
USAA$ 655
USAA$ 655
Vermont Mutual$ 1086
Vermont Mutual$ 1086

Compare all 2017 Chevrolet Sonic rates

Average Cost to Insure Per Year

$ 931

List Price

$ 15145

Trims Available

LS Manual - LS Auto - LT Auto Fleet - LT Manual - LT Auto - Premier Manual - Premier Auto

2016 Chevrolet Sonic

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 978
American Family$ 978
Erie$ 627
Erie$ 627
GEICO$ 576
GEICO$ 576
Mercury$ 1047
Mercury$ 1047
Nationwide$ 1067
Nationwide$ 1067
Plymouth Rock Insurance$ 1082
Plymouth Rock Insurance$ 1082
Progressive$ 736
Progressive$ 736
State Farm$ 836
State Farm$ 836
Tennessee Farmers$ 1013
Tennessee Farmers$ 1013
Texas Farm Bureau$ 873
Texas Farm Bureau$ 873
USAA$ 666
USAA$ 666
Vermont Mutual$ 1033
Vermont Mutual$ 1033

Compare all 2016 Chevrolet Sonic rates

Average Cost to Insure Per Year

$ 923

List Price

$ 14345

Trims Available

LS Manual - LS Auto - LT Manual - LT Auto - LTZ Auto - RS Manual - RS Auto

2015 Chevrolet Sonic

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 1013
Allstate$ 1013
American Family$ 944
American Family$ 944
Erie$ 606
Erie$ 606
GEICO$ 541
GEICO$ 541
Mercury$ 1039
Mercury$ 1039
Plymouth Rock Insurance$ 1050
Plymouth Rock Insurance$ 1050
Progressive$ 719
Progressive$ 719
State Farm$ 737
State Farm$ 737
Tennessee Farmers$ 952
Tennessee Farmers$ 952
Texas Farm Bureau$ 841
Texas Farm Bureau$ 841
USAA$ 634
USAA$ 634
Vermont Mutual$ 969
Vermont Mutual$ 969

Compare all 2015 Chevrolet Sonic rates

Average Cost to Insure Per Year

$ 874

List Price

$ 14245

Trims Available

LS Manual - LS Auto - LT Manual - LT Auto - LTZ Manual - LTZ Auto - RS Manual - RS Auto

2014 Chevrolet Sonic

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1063
Acuity$ 1063
American Family$ 1057
American Family$ 1057
Erie$ 647
Erie$ 647
GEICO$ 624
GEICO$ 624
Mercury$ 1056
Mercury$ 1056
Plymouth Rock Insurance$ 1023
Plymouth Rock Insurance$ 1023
Progressive$ 810
Progressive$ 810
State Farm$ 863
State Farm$ 863
Tennessee Farmers$ 981
Tennessee Farmers$ 981
Texas Farm Bureau$ 817
Texas Farm Bureau$ 817
USAA$ 701
USAA$ 701
Vermont Mutual$ 926
Vermont Mutual$ 926

Compare all 2014 Chevrolet Sonic rates

Average Cost to Insure Per Year

$ 944

List Price

$ 14170

Trims Available

LS Manual - LS Auto - LT Manual - LT Auto - LTZ Manual - LTZ Auto - RS Manual - RS Auto

2013 Chevrolet Sonic

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 915
Allstate$ 915
American Family$ 875
American Family$ 875
Erie$ 575
Erie$ 575
GEICO$ 510
GEICO$ 510
Mercury$ 1007
Mercury$ 1007
Plymouth Rock Insurance$ 989
Plymouth Rock Insurance$ 989
Progressive$ 672
Progressive$ 672
State Farm$ 630
State Farm$ 630
Tennessee Farmers$ 906
Tennessee Farmers$ 906
Texas Farm Bureau$ 791
Texas Farm Bureau$ 791
USAA$ 568
USAA$ 568
Vermont Mutual$ 896
Vermont Mutual$ 896

Compare all 2013 Chevrolet Sonic rates

Average Cost to Insure Per Year

$ 807

List Price

$ 14185

Trims Available

LS Manual - LS Auto - LT Manual - LT Auto - LTZ Manual - LTZ Auto - RS Manual - RS Auto

2012 Chevrolet Sonic

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 981
Acuity$ 981
Allstate$ 929
Allstate$ 929
American Family$ 843
American Family$ 843
Erie$ 572
Erie$ 572
GEICO$ 484
GEICO$ 484
Plymouth Rock Insurance$ 962
Plymouth Rock Insurance$ 962
Progressive$ 672
Progressive$ 672
State Farm$ 728
State Farm$ 728
Tennessee Farmers$ 866
Tennessee Farmers$ 866
Texas Farm Bureau$ 745
Texas Farm Bureau$ 745
USAA$ 541
USAA$ 541
Vermont Mutual$ 806
Vermont Mutual$ 806

Compare all 2012 Chevrolet Sonic rates

Average Cost to Insure Per Year

$ 808

List Price

$ 13865

Trims Available

LS - LT - LTZ