When talking about auto insurance, the words cheap or affordable should not be used anywhere in the article as a descriptor for auto insurance rates. It’s just reality that cheap car insurance for a Hyundai Sonata does not exist. But don’t let us ruin your dream, because we will tell you how you can still find car insurance that is cheaper than your current policy.
The chances of finding affordable insurance for a Hyundai Sonata in Florida hinges on a complex formula that factors things such as how you use your vehicle, if you have ever let your coverage lapse, and if you have a history of accidents. Drivers in Florida on average pay approximately $1,110 every 12 months to insure a Sonata, but that price is an estimate calculated using a 50-year-old single female driver with full coverage including both comprehensive and collision and $1,000 physical damage deductibles.
That rate won’t apply to everyone, because more than likely you aren’t exactly 50 years old or even a female, married instead of single, or maybe you just want liability only. Even a very minor difference in the criteria used to calculate rates can cause significant differences in the policy cost.
Car insurance coverage is unique to each driver, so this is why the only way to find the cheapest rates for your Hyundai is to do the rate comparisons yourself.
View Hyundai Sonata Insurance Rates
The specific trim level has an effect on price, so the price you will be charged to insure a Sonata GLS 4-Dr Sedan model will be $82 cheaper than the cost to insure the higher-end Sonata Limited 4-Dr Sedan version, as shown below.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
Sonata GLS 4-Dr Sedan | $172 | $334 | $532 | $32 | $160 | $1,230 | $103 |
Sonata GLS 4-Dr Sedan | $172 | $334 | $532 | $32 | $160 | $1,230 | $103 |
Sonata GLS 4-Dr Sedan | $172 | $334 | $532 | $32 | $160 | $1,230 | $103 |
Sonata SE 4-Dr Sedan | $172 | $394 | $532 | $32 | $160 | $1,290 | $108 |
Sonata SE 4-Dr Sedan | $172 | $394 | $532 | $32 | $160 | $1,290 | $108 |
Sonata Limited 4-Dr Sedan | $194 | $394 | $532 | $32 | $160 | $1,312 | $109 |
Sonata Limited 4-Dr Sedan | $194 | $394 | $532 | $32 | $160 | $1,312 | $109 |
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can revise auto insurance rates noticeably.
Selecting a high-quality auto insurance provider can be rather challenging considering how many companies are available to choose from in Florida. The information in the next section can help you select which auto insurers to look at purchasing from.
The ratings below are only comprised of companies that write coverage in many states, so companies with more of a regional focus are not factored into this list. To compare prices from the most competitive companies in Florida, click here.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
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Data Source: Insure.com Best Car Insurance Companies
Auto insurance companies that sell the cheapest insurance for a Hyundai Sonata in Florida may also provide price discounts that may potentially lower prices by as much as 30% if you qualify. A list of car insurance companies and some of the premium reductions they offer are detailed below.
Discount | State Farm | Geico | Allstate | Progressive | Farmers |
---|---|---|---|---|---|
Multiple policies | Yes | Yes | Yes | Yes | Yes |
Multi-vehicle | Yes | Yes | No | Yes | Yes |
Theft prevention | Yes | Yes | Yes | Yes | Yes |
Anti-lock brakes | Yes | Yes | Yes | No | No |
Passive restraint | Yes | Yes | Yes | No | Yes |
Daytime running lights | Yes | Yes | No | No | Yes |
New car | Yes | No | Yes | No | Yes |
Green vehicle | No | No | Yes | No | Yes |
Safe driver | Yes | Yes | Yes | Yes | Yes |
Defensive driver | Yes | Yes | Yes | Yes | Yes |
Active duty military | Yes | Yes | No | Yes | Yes |
Professional affiliation | No | Yes | No | No | Yes |
Pay in full | No | Yes | Yes | Yes | Yes |
Paperless billing | No | Yes | Yes | Yes | Yes |
Customer loyalty | Yes | No | No | Yes | Yes |
Smart student | Yes | Yes | Yes | Yes | Yes |
Student away from home | Yes | No | Yes | Yes | Yes |
Homeowner | No | No | No | Yes | Yes |
Seat belt usage | No | Yes | No | No | No |
Online rate quote | No | No | No | Yes | No |
Teenage driver | No | No | No | Yes | No |
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The chart below compares annual premium costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or violations, Florida state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, marriage, passive restraint, claim-free, defensive driving course, and multiple vehicle discounts applied. When discounts are factored in, the average savings per year on car insurance for a Hyundai Sonata is % or $.
The information below demonstrates how choosing different deductibles can change annual premium costs when quoting cheap insurance for a Hyundai Sonata. The data assumes a single female driver, full physical damage coverage, and no policy discounts are applied.
As shown above, a 30-year-old driver could reduce rates by $526 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $794 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 category, could drop their prices up to $1,174 or more by using higher deductibles when buying full coverage. If you make the decision to raise deductibles, it is important to have enough in a savings account to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
When comparing insurance for a Sonata, four of the best places to start are Allstate, State Farm, Progressive, and Geico. When combined, they make up over 48% of the entire U.S. auto insurance market. The next table shows some of the different options offered by each one.
Allstate | State Farm | Progressive | Geico | |
---|---|---|---|---|
Handling of Claims | 1st | 2nd | 4th | 3rd |
Policy Cost | 4th | 2nd | 3rd | 1st |
Customer Satisfaction | 2nd | 4th | 3rd | 1st |
Policy Discounts | 1st | 3rd | 4th | 2nd |
A.M. Best financial rating | A+ | A++ | A+ | A++ |
Mechanical breakdown insurance | No | No | Yes | Yes |
Roadside service | Yes | Yes | Yes | Yes |
Accident forgiveness coverage | Yes | No | Yes | Yes |
Rideshare insurance | Yes | Yes | Yes | Yes |
New car replacement insurance | Yes | No | No | No |
Usage-based rating | Yes | Yes | Yes | No |
Insure in Florida | Yes | Yes | Yes | Yes |
Where to buy | Allstate exclusive agents | Can only buy from State Farm agents | Buy online or from an independent agent | Can buy online or use a Geico agent |
Number of agents | 11,000+ | 18,000+ | 30,000+ | 150+ |
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