Compare Hyundai Sonata Insurance Quotes in Henderson

Insurance quote for Hyundai Sonata in HendersonHow many times have you told yourself to find cheaper insurance rates in Henderson, NV? Henderson shoppers have a choice when shopping for the lowest priced Hyundai Sonata insurance. They can either waste time contacting agents trying to get quotes or use the internet to compare rates. There is a better way to find insurance online and we’ll show you the quickest way to compare rates on a Hyundai and find the best price possible from Henderson insurance agents and online providers.

Locating the most cost-effective car insurance policy in Henderson is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to reduce the price you pay using the techniques covered below. Shoppers just need to use the most time-saving way to compare different rates from many companies at once.

Why Your Insurance Rates might be higher

Many factors are part of the equation when pricing auto insurance. A few of the factors are predictable such as your driving record, but other factors are not quite as obvious like your vehicle usage or your commute time.

The companies shown below are our best choices to provide free quotes in Nevada. If multiple companies are listed, we recommend you visit two to three different companies to get a more complete price comparison.

Hyundai Sonata insurance charts and tables

The information displayed next outlines detailed analysis of coverage costs for Hyundai Sonata models. Understanding more about how insurance prices are calculated can assist in making smart choices when choosing a car insurance company.


Hyundai Sonata Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $228 $470 $366 $22 $110 $1,196 $100
Sonata GLS 4-Dr Sedan $228 $470 $366 $22 $110 $1,196 $100
Sonata GLS 4-Dr Sedan $228 $470 $366 $22 $110 $1,196 $100
Sonata SE 4-Dr Sedan $228 $554 $366 $22 $110 $1,280 $107
Sonata SE 4-Dr Sedan $228 $554 $366 $22 $110 $1,280 $107
Sonata Limited 4-Dr Sedan $258 $554 $366 $22 $110 $1,310 $109
Sonata Limited 4-Dr Sedan $258 $554 $366 $22 $110 $1,310 $109
Get Your Own Custom Quote Go

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in zip code location which can influence coverage prices substantially.

Deductible comparison

When shopping for auto insurance, a common question is the level to set your comp and collision deductibles. The premium rates below may aid in understanding how much more you’ll pay between low and high coverage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.


Hyundai Sonata insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $266 $478 $348 $20 $104 $1,241 $103
Sonata GLS 4-Dr Sedan $266 $478 $348 $20 $104 $1,241 $103
Sonata GLS 4-Dr Sedan $266 $478 $348 $20 $104 $1,241 $103
Sonata SE 4-Dr Sedan $266 $564 $348 $20 $104 $1,327 $111
Sonata SE 4-Dr Sedan $266 $564 $348 $20 $104 $1,327 $111
Sonata Limited 4-Dr Sedan $300 $564 $348 $20 $104 $1,361 $113
Sonata Limited 4-Dr Sedan $300 $564 $348 $20 $104 $1,361 $113
Get Your Own Custom Quote Go

Hyundai Sonata insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $194 $324 $348 $20 $104 $990 $83
Sonata GLS 4-Dr Sedan $194 $324 $348 $20 $104 $990 $83
Sonata GLS 4-Dr Sedan $194 $324 $348 $20 $104 $990 $83
Sonata SE 4-Dr Sedan $194 $382 $348 $20 $104 $1,048 $87
Sonata SE 4-Dr Sedan $194 $382 $348 $20 $104 $1,048 $87
Sonata Limited 4-Dr Sedan $218 $382 $348 $20 $104 $1,072 $89
Sonata Limited 4-Dr Sedan $218 $382 $348 $20 $104 $1,072 $89
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can influence prices considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $22 more each month or $264 annually than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 18 months between claims, you would probably be better off if you decide on a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $108
Average monthly premium for $500 deductibles (subtract): – $86
Monthly savings from raising deductible: $22
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to note is that increasing deductibles to save money means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You need enough extra money in order to pay the deductible for vehicle repair.

Hyundai Sonata insurance costs by gender and age

The diagram below visualizes the comparison of Hyundai Sonata premium costs for male and female drivers. Data assumes no claims or driving violations, full coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Rate comparison of full coverage and liability-only

The example below illustrates the difference between Hyundai Sonata car insurance costs with and without full coverage. The price estimates are based on no accidents or driving violations, $1,000 deductibles, single status, and no other discounts are factored in.

When to eliminate full coverage

There is no definitive guideline of when to stop paying for comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Hyundai Sonata book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $7,000 after paying the physical damage deductible. If premium cost is more than $700 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some scenarios where eliminating full coverage is not financially feasible. If you haven’t satisfied your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Three reasons to insure your Hyundai vehicle

Even though it can be expensive, buying insurance serves an important purpose.

The benefits of insuring your car greatly outweigh the cost, particularly if you ever have a claim. The average driver in Nevada is overpaying more than $865 each year so it’s important to compare rates at least once a year to be sure current rates are still competitive.

Discount Henderson auto insurance quotes

Auto insurance is not an enjoyable expense, but there could be significant discounts to cut the cost considerably. Some of these discounts will be visible at the time of purchase, but less common discounts must be manually applied prior to receiving the credit. If you check and find you aren’t receiving every discount you deserve, you may be paying too high a price.Save money with discounts

You should keep in mind that some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way.

The illustration below shows the difference between Hyundai Sonata yearly insurance costs with and without some available policy discounts. The premiums are based on a male driver, no claims or violations, Nevada state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-policy, claim-free, and multi-car discounts applied.

A list of auto insurance companies and the discounts they provide can be read below.

If you are trying to find cheaper Henderson car insurance quotes, ask every company how you can save money. Some discounts might not apply in your state. If you would like to choose from a list of auto insurance companies with the best discounts in Nevada, click here.

Local Henderson auto insurance agents and car insurance

Some consumers still like to sit down with an agent and there is nothing wrong with that. Most agents are trained risk managers and give you someone to call. The biggest benefit of comparing rates online is that drivers can save money and get lower rates but still work with a licensed agent.

Find insurance agent in HendersonAfter filling out this simple form, the quote information is emailed to local insurance agents who will give you quotes for your business. You won’t need to find an agent since price quotes are sent to your email. If you wish to get a price quote from a specific company, you just need to go to their quote page and give them your coverage information.

Picking an insurance company is decision based upon more than just the price. A good agent in Henderson will have answers to these questions.

Is an exclusive or independent auto insurance agent right for you?

When researching a reputable insurance agent or broker, it’s helpful to know the types of insurance agents and how they are distinctly different. Agents are either independent agents or exclusive agents. Both can insure your vehicles, but it’s worth mentioning why they differ because it can influence your agent selection.

Exclusive Agencies

Agents that elect to be exclusive are contracted to one company and some examples include State Farm or Allstate. These agents are not able to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agencies are trained well on sales techniques which aids in selling service over price. Consumers often buy from the same agent for years partially due to the prominence of the brand and strong financial ratings.

Listed below is a short list of exclusive insurance agents in Henderson willing to provide rate quotes.

View more agents

Independent Car Insurance Agencies

These agents often have many company appointments and that enables them to quote your coverage with any number of different companies and potentially find a lower price. If premiums increase, the business is moved internally which is easy for the insured.

When comparing rates, you need to compare prices from several independent agencies to have the best price comparison. Most can insure with lesser-known insurance companies who may have lower rates.

Listed below is a short list of independent insurance agents in Henderson that are able to give rate quotes.

View more agents

Once you have received reasonable responses to your questions and locked in a price quote, you may have found an insurance agent that is professional and can provide car insurance coverage.

Persistence pays off

People who switch companies do it for a number of reasons such as unfair underwriting practices, delays in paying claims, high rates after DUI convictions or an unsatisfactory settlement offer. Regardless of your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.

We’ve covered quite a bit of information on how to save on Hyundai Sonata insurance in Henderson. The most important thing to understand is the more times you quote, the better chance you’ll have of finding inexpensive Henderson car insurance quotes. You may even be surprised to find that the lowest priced car insurance comes from a small mutual company.

Some companies do not offer internet price quotes and many times these small insurance companies provide coverage only through independent agents. More affordable car insurance in Henderson is available online and from local insurance agents, so compare prices from both in order to have the best chance of saving money.

Steps to finding affordable quotes for Hyundai Sonata insurance in Henderson

If you want to save the most money, the best way to find cheaper auto insurance rates is to compare quotes once a year from companies who provide auto insurance in Henderson.

  1. Get a basic knowledge of how your policy works and the steps you can take to prevent high rates. Many policy risk factors that result in higher prices such as tickets, at-fault accidents, and a bad credit score can be rectified by improving your driving habits or financial responsibility.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while independent agents can quote prices for many different companies.
  3. Compare the new quotes to the price on your current policy to see if cheaper Sonata coverage is available. If you find a lower rate, make sure coverage does not lapse between policies.

One key aspect when comparing rates is to use similar deductibles and liability limits on every price quote and and to get prices from every insurance company. This ensures an accurate price comparison and a good representation of prices.

More information is available at these links: