Cheapest Insurance for a Hyundai Sonata in Florida

Cheapest Insurance for a Hyundai Sonata in Florida

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.

Hyundai Sonata Insurance Rates in Florida
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.

Top Ten Car Insurance Companies in Florida
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

Discounts on Florida auto insurance

Car insurance for a Sonata in FloridaAuto 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.

Auto Insurance Discounts for Popular Insurers
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.

Who is cheaper: Allstate, State Farm, Progressive, or Geico?

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.

Auto Insurance Company Comparison
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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