Chevrolet Sonic Insurance: 2025 Rates, Insights, Comparisons

How much does Chevy Sonic car insurance cost? We tallied up average rates from the LS Hatchback to the Premier Sedan to see how prices compared to the rest of the compact car segment.

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How much does Chevrolet Sonic car insurance cost?

Chevy Sonic insurance costs an average of $2,168 per year, which is about $181 each month. When looking at the cost of individual coverage, collision insurance is approximately $598 a year, liability/medical will cost an estimated $1,126, and the remaining comprehensive is an estimated $444.

The chart below details average auto insurance cost for a 2020 Sonic using variations of driver age and risk profiles.

Average 2020 Chevrolet Sonic insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2020 Chevrolet Sonic insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2020 model year Chevrolet Sonic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Chevrolet Sonic trim levels.

2020 Chevrolet Sonic Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,000$417
Safe Driver Age 20$4,348$362
At-fault Accidents Age 40$3,128$261
Low Deductibles Age 40$2,620$218
Safe Driver Age 30$2,282$190
Safe Driver Age 40$2,168$181
Safe Driver Age 50$1,962$164
High Deductibles Age 40$1,930$161
Safe Driver Age 60$1,828$152
Discount Rate Age 40$1,800$150

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2020 Chevrolet Sonic trim levels. Updated June 27, 2025

To give you a better understanding of how variable Sonic insurance rates can be, consider that a policy for liability only on a Chevy Sonic in the cheaper areas of Maine or Illinois can be as low as $246 a year.

For the same 2020 Chevrolet Sonic, a teenager with a tendency to speed in some New York City zip codes may have to pay as much as $18,294 a year for a full coverage policy.

What are the cheapest Sonic trims to insure?

With Chevrolet Sonic insurance rates ranging from $2,106 to $2,230 per year, the cheapest models to insure are the LS Hatchback and the LS Sedan at an average cost of $2,106 per year.

The three highest cost models to insure are the LT Sedan, the Premier Hatchback, and the Premier Sedan trim levels at around $2,168,  $2,230, and $2,230 per year, respectively.

The table below shows the average annual and semi-annual car insurance costs, plus a monthly insurance rate, for each Chevy Sonic package and trim.

2020 Chevrolet Sonic Insurance Rates by Trim Level
2020 Chevrolet Sonic Trim Level Annual Premium Cost Per Month
LS Hatchback$2,106$176
LS Sedan$2,106$176
LT Hatchback$2,168$181
LT Sedan$2,168$181
Premier Hatchback$2,230$186
Premier Sedan$2,230$186

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2020 Chevrolet Sonic ranging from the LS Hatchback model at $2,106 per year to the Premier Sedan model at $2,230
Insurance cost by trim level for a 2020 Chevrolet Sonic ranging from the LS Hatchback model at $2,106 per year to the Premier Sedan model at $2,230

How does Sonic insurance cost compare?

When compared to other models in the 2020 compact car segment, Chevy Sonic car insurance costs $294 more per year than the Honda Civic, $478 more than the Toyota Corolla, $348 more than the Nissan Sentra, and $62 less than the Hyundai Elantra.

The Sonic ranks 22nd out of 27 comparison vehicles in the 2020 compact car category. The Sonic costs an estimated $2,168 per year for insurance and the segment average is $1,973 annually, a difference of $195.

The chart below shows how well Sonic insurance rates fare against the most popular small cars like the Honda Civic, Toyota Corolla, and the Hyundai Elantra. In addition, a rankings table is included after the chart that displays average insurance rates for all 27 models in the small car category, with the Sonic highlighted and the difference in cost noted for each model.

Average 2020 Chevrolet Sonic car insurance premium compared to other small car models.
Figure 2: Average 2020 Chevrolet Sonic car insurance premium compared to other small car models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2020 model year Chevrolet Sonic. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Chevrolet Sonic trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Chevrolet Sonic Insurance Cost Compared to All Small Cars
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,586-$582
2Honda Fit$1,648-$520
3Fiat 500L$1,666-$502
4Toyota Corolla$1,690-$478
5Volkswagen Golf$1,732-$436
6Toyota Yaris$1,752-$416
7Subaru Impreza$1,778-$390
8Fiat 124 Spider$1,806-$362
9Nissan Sentra$1,820-$348
10Mazda 3$1,834-$334
11Honda Civic$1,874-$294
12Kia Rio$1,880-$288
13Hyundai Accent$1,898-$270
14Kia Forte$1,916-$252
15Toyota Prius$2,024-$144
16Hyundai Veloster$2,080-$88
17Volkswagen GTI$2,088-$80
18Volkswagen Jetta$2,100-$68
19Nissan Versa$2,110-$58
20Nissan Leaf$2,128-$40
21Mitsubishi Mirage G4$2,130-$38
22Chevrolet Sonic$2,168--
23Honda Clarity$2,206$38
24Hyundai Elantra$2,230$62
25Hyundai Ioniq$2,274$106
26Toyota 86$2,406$238
27Toyota Mirai$2,460$292

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2020 model year. Updated June 27, 2025

Additional Rates and Information

Some additional insurance rates and ways to reduce policy cost are noted below.

  • Higher physical damage deductibles lower policy cost. Raising policy deductibles from $500 to $1,000 could save around $238 per year for a 40-year-old driver and $444 per year for a 20-year-old driver.
  • Low physical damage deductibles increases cost. Decreasing your deductibles from $500 to $250 could cost an additional $246 per year for a 40-year-old driver and $468 per year for a 20-year-old driver.
  • Your profession could earn you discounts. The large majority of insurance companies offer discounts for occupations like doctors, engineers, college professors, members of the military, nurses, accountants, and others. Earning this discount could potentially save between $65 and $211 on your yearly insurance bill.
  • Cautious drivers pay less for insurance. Causing too many accidents will raise rates, potentially by an extra $1,074 per year for a 30-year-old driver and as much as $624 per year for a 60-year-old driver.
  • Find cheaper rates by qualifying for discounts. Discounts may be available if the policyholders work in certain occupations, belong to certain professional organizations, drive low annual mileage, insure their home and car with the same company, or many other discounts which could save the average driver as much as $368 per year on Chevrolet Sonic insurance.
  • It’s expensive to buy high risk insurance. For a 20-year-old driver, the need to buy a high-risk policy increases the cost by $3,444 or more per year.
  • As you age, Sonic car insurance rates tend to get cheaper. The difference in insurance cost for a 2020 Chevy Sonic between a 40-year-old driver ($2,168 per year) and a 20-year-old driver ($4,348 per year) is $2,180, or a savings of 66.9%.