Buying the cheapest auto insurance for a Hyundai Sonata doesn’t take a ton of time, but it relies on a lot of factors such as whether you are single or married, your occupation, and any driving offenses on your record. Drivers in Nevada pay approximately $799 each year to insure their Sonata, but that price is an estimate based upon a 50-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
The problem with using this number is the good chance you’re not a 50-year-old male, single instead of married, or maybe you have a teen driver on your policy that needs to be considered. There is no perfect policy for every driver, so the only real way to find the most affordable coverage for your Hyundai is to do the rate comparisons yourself. Quotes are always free and you will be able to see rates from the cheapest companies that sell coverage in Nevada.
Find Cheaper Hyundai Sonata Insurance
Vehicle trim level will have an impact the annual cost of coverage, so the rate you pay to insure a Sonata GLS 4-Dr Sedan model will be $68 less than the price to insure the fancier Sonata Limited 4-Dr Sedan model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $150 | $276 | $334 | $20 | $100 | $880 | $73 |
| Sonata GLS 4-Dr Sedan | $150 | $276 | $334 | $20 | $100 | $880 | $73 |
| Sonata GLS 4-Dr Sedan | $150 | $276 | $334 | $20 | $100 | $880 | $73 |
| Sonata SE 4-Dr Sedan | $150 | $324 | $334 | $20 | $100 | $928 | $77 |
| Sonata SE 4-Dr Sedan | $150 | $324 | $334 | $20 | $100 | $928 | $77 |
| Sonata Limited 4-Dr Sedan | $170 | $324 | $334 | $20 | $100 | $948 | $79 |
| Sonata Limited 4-Dr Sedan | $170 | $324 | $334 | $20 | $100 | $948 | $79 |
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can impact price quotes substantially.
Locating budget car insurance is tough enough, and figuring out which company has the cheapest insurance rates for a Hyundai Sonata will involve even more rate comparisons. Every car insurance company has a unique formula for setting prices, so we’ll go over the insurance companies that tend to be cheaper in Henderson.
It’s important to understand that Henderson, NV insurance rates are influenced by many factors which can substantially decrease or increase the cost of a policy. Events like turning one year older, adding a teenager to your policy, or getting a reckless driving citation may generate price changes resulting in some rates now being less affordable than competitors.
Find the Best Cheap Insurance for Your Sonata
Travelers may offer some of the most affordable car insurance rates in Henderson at around $930 per year. Allied, Capital, Oregon Mutual, and Progressive are also some of the best Henderson, NV car insurance companies.
In the rate table above, if you are a policyholder with Oregon Mutual and switched to Allied, you might see an annual savings of about $233. Nevada drivers with Progressive might save as much as $241 a year, and GEICO insureds might reduce prices by as much as $270 a year.
If you would like to find cheaper car insurance rates, click here to get a free quote or quote prices from the following companies.
It’s important to note that these premium estimates are averages across all drivers and vehicles and and are not calculated with an exact location for a Hyundai Sonata. So the company that can offer you the lowest price may not even be in the list above. That point stresses why you need to get quotes using your own specific driver information and vehicle.
Get discounts on Henderson insurance rates
Car insurance companies that provide coverage for a Hyundai Sonata may also provide policy discounts that could reduce prices by as much as 25% or more if you are eligible to receive them. A list of insurance companies and their possible discounts can be read below.
- 21st Century discounts include 55 and older, homeowners, good student, anti-lock brakes, driver training, theft prevention, and automatic seat belts.
- State Farm offers discounts for student away at school, multiple policy, safe vehicle, good driver, anti-theft, Steer Clear safe driver discount, and multiple autos.
- AAA may have discounts that include multi-car, anti-theft, education and occupation, multi-policy, AAA membership discount, and good driver.
- Liberty Mutual may include discounts for multi-car, good student, newly married, teen driver discount, new vehicle discount, new graduate, and newly retired.
- Progressive policyholders can earn discounts including good student, multi-vehicle, homeowner, online quote discount, multi-policy, continuous coverage, and online signing.
The illustration below illustrates the comparison of yearly insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no accidents or driving violations, Nevada state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, accident-free, anti-theft, multiple vehicle, passive restraint, and marriage discounts applied. When discounts are factored in, theamount saved on insurance for a Hyundai Sonata is 28% or $466.
Full coverage or liability only
Saving on insurance is probably important to most people, and an effective way to lower the cost of insurance for a Hyundai Sonata is to not insure for full coverage. The example below shows the difference between auto insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied.
If the expense is averaged for all age categories, physical damage insurance costs $1,644 per year more than just insuring for liability. That brings up the question if paying for full coverage is worth it. There isn’t a steadfast formula of when to exclude physical damage coverage, but there is a general guideline. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
Ideas for buying budget-friendly car insurance for a Hyundai Sonata
It is possible to find better rates, and here are some penny-pinching suggestions that can help you quote cheaper auto insurance.
- Drivers with good credit often pay less
- Raise your physical damage coverage deductibles
- You will pay more if you get tickets or have at-fault accidents
- Do not get into accidents that are your fault
- Safer vehicles cost less to insure
- Compare rates once a year for cheaper prices
The last idea is certainly vital, as was stressed in this write-up. Coverage rates go up and down frequently, so don’t be unwilling to buy a policy from a new company if a cheaper price is available.
Loyalty to a specific company is fine, but is isn’t recommended if that loyalty ends up costing a lot of money every month. In just a couple of minutes you could compare prices to find cheaper insurance for a Hyundai Sonata in Henderson.
The agents shown below can aid you in deciding which auto insurance policy fits you best, since many people would rather get some professional advice when shopping around for cheaper insurance for a Hyundai Sonata. It’s not always easy to find the best policy on your own, and professional agents can provide peace of mind knowing you have enough coverage when you need it. To find an agent using an interactive map, click the button after the list or click here to compare price quotes.
Farmers Insurance – Frank Tworek
911 American Pacific Dr #140 – Henderson, NV 89014 – (702) 316-4888
Farmers Insurance: Laurie Yakubik
183 Gibson Rd – Henderson, NV 89014 – (702) 456-8119
Express Auto Insurance LLC
1371 W Warm Springs Rd – Henderson, NV 89014 – (702) 907-0000
American Family Insurance – Sean Stewart Agency Inc.
2520 St Rose Pkwy #103 – Henderson, NV 89074 – (702) 479-1570
State Farm: Carl Endorf
120 S Green Valley Pkwy #164 – Henderson, NV 89012 – (702) 834-7070