Chevy Sonic Insurance

Is the Chevy Sonic Affordable to Insure?

(Finding the right coverage)

The Chevrolet Sonic was introduced in 2012 and has become a popular choice for drivers looking for an affordable subcompact. The Sonic gets excellent safety ratings, is easy on gas, is loaded with tech options, and is fun to drive. 

As an added bonus, the Sonic costs less to insure and repair than most other vehicles. With an average premium of $825, the Sonic can be cheaper to insure than most other cars, making it a very affordable vehicle over the long haul.

If you are a Sonic owner, or are thinking about buying one, an independent insurance agent can make sure that your brand-new ride is fully protected. Our agents can find a Sonic insurance policy that offers all of the coverage you need at a very affordable price. 

How Much Does Chevy Sonic Insurance Cost?

Average Cost of Chevy Sonic Insurance

You can expect to pay roughly $825 a year to insure your Chevy Sonic. This is well below the national average of $1,474. The Sonic’s small size and excellent safety ratings are two things that influence these costs.

One factor that pushes up the cost of Chevy Sonic insurance, and any other car for that matter, is the fact that roughly 12.6% of drivers out on the road are driving without insurance. 

Uninsured drivers run up the cost of insurance for everyone, as insurance companies have to eat the cost of those claims, and they pass those costs on to consumers via higher premiums. 

There are other factors that can affect your insurance premium, and a few of them are under your direct control:

  • Credit Rating: Statistics show that drivers with low credit scores tend to file more claims, so if your credit score is low, you will be paying a higher premium. Pay your bills on time and make an effort to raise your score; once it has gone up, ask your insurer to recalculate your premium.
  • Driving Record: This is a huge one. Your driving record has a major impact on your premium, so avoid speeding tickets and keep your record clean for the best rates. 
  • Safe Car: The vehicle you drive will also impact your rates. Luckily, the Sonic has an excellent safety record and is loaded with safety features. 

While the Sonic is pretty affordable to insure, there are ways to lower your car insurance costs, and discounts are a major money saver. Insurers offer a variety of discounts, and they can dramatically lower your insurance premium. A few of the more common discounts include:

  • Bundling: Buy your car insurance and home insurance from the same insurer, and you should get a significant discount.
  • Defensive Driving: If you take and pass a defensive driving course, your insurer should discount your premium. Check with your insurer to make sure they offer this discount and their preferred course. 
  • Good Student: If you have a teenager on your policy, good grades will make your policy more affordable. Most insurers require a B average and a copy of the report card for verification.

What Influences Insurance Costs for Small Vehicles?

The Chevy Sonic is considered a subcompact, and on average, small vehicles tend to cost a bit more to insure. This is due to a couple of reasons: 

  • Affordability: Younger drivers often drive subcompacts because they are usually very affordable. Unfortunately, younger drivers get into more accidents than more experienced drivers and this pushes up insurance rates for this category of vehicle. 
  • More Accidents: Statistics show that smaller cars get into more accidents, and insurance companies love statistics. Due to an increased crash rate, insurance costs for subcompacts are a bit higher. 

Chevrolet Sonic Auto Theft and Safety Ratings

The Chevy Sonic is an Insurance Institute for Highway Safety (IIHS) Top Safety Pick for 2016 and earned their highest rating (Good) in all categories, including the small overlap front, moderate overlap front, side, roof strength and head restraints & seats tests.

  • Small overlap front: Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof Strength: Good
  • Head restraints & seats: Good

However, the Sonic didn’t always score high when it comes to safety. The Sonic was introduced in 2012 and didn’t even manage a “Good” rating in the small overlap front test until 2015, when the doorsill and hinge pillar were modified to improve passenger protection. 

The small overlap front test replicates what happens when the front corner of a car collides with another vehicle or object. The test can be a challenge for some seatbelt and airbag systems, as the occupants of the car move forward and toward the side of the vehicle. 

Unfortunately for 2012 - 2015 Sonic owners, anything less than a top rating can lead to slightly higher insurance rates. Safety ratings play a major role in insurance rates because medical costs can be extremely expensive, and occupants of cars that are not top safety-rated tend to be injured more severely than drivers of better-rated vehicles.  

When it comes to theft, you don’t have much to worry about with the Chevy Sonic, as car thieves don’t seem to favor it. According to National Highway Traffic Safety Administration (NHTSA) data, only 141 Sonics were stolen in 2013, which is the latest available data. 

Insurers are well versed in car theft data and it does affect insurance rates. Vehicles that tend to be stolen frequently will be more expensive to insure. A car theft results in a claim, which means a payout for the insurance company, and that expense is passed on to consumers via higher rates for owners of that particular car. 

It’s important to remember that when it comes to car theft, you must be carrying comprehensive coverage, otherwise theft is not covered and you will be on your own for replacing your vehicle. 

Comprehensive covers not only theft, but also damage caused by storms, vandalism, falling objects and even damage caused by an animal. If you have a loan or lease on the vehicle, your lender will require you carry this type of coverage.  

Costs of Chevy Sonic Repairs

Repair costs are another factor that insurance companies consider when setting a premium. Lucky for you, the Chevy Sonic has lower than average repair costs. 

For example, a common repair for the Sonic is an oxygen sensor replacement. The oxygen sensor measures the amount of oxygen in the exhaust system. It communicates with the vehicle computer to adjust the amount of fuel entering the engine to maintain the ideal mixture of fuel and oxygen. 

Usually your check engine light will come on if your oxygen sensor is faulty. The national average for this repair is $213. The Sonic is a bargain, with oxygen sensor repair coming in around $133.

You will usually find the Sonic has lower repair costs than the average vehicle, and this will have a positive impact on your car insurance premium. 

The main reason that repair costs affect insurance rates is that a claim on a car that is expensive to repair means a higher payout for the insurance company, so to cover their increased costs, a higher premium is charged. 

Where to Find Car Insurance for Chevrolet Sonic

If you already own a Chevy Sonic or are shopping for one, an independent insurance agent can help you find the perfect policy. 

Our agents will do all of the legwork for you, gathering quotes, advising you on the various coverages available for your Chevy Sonic, and making sure you are getting all of the discounts you are qualified to receive. 

Contact an agent today to start finding affordable Chevy Sonic insurance quotes. 

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