Best Cheap Insurance for a Hyundai Sonata in Arizona

Buying affordable auto insurance for a Hyundai Sonata in Arizona hinges on a lot of things like how old the vehicle is, if you have a lapse in coverage, and driving violations and tickets. Drivers pay an average rate of $1,060 each year for Sonata insurance, but that is based on cost data for a 40-year-old married female that includes both comprehensive and collision coverage and $100 policy deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not 40 years old and maybe not even female, single instead of married, and maybe you want higher deductibles. What appears to be a small change in the rating input factors can result in a big discrepancy in quoted rates.

Each driver has unique rating factors, so the most reliable method for finding cheap insurance rates for your Hyundai is to comparison shop your policy at each renewal. Quotes are free and you can get prices from the best companies in Arizona.

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Vehicle trim level can impact the cost of coverage, so the price you pay to insure a Sonata GLS 4-Dr Sedan will cost $110 less than the insurance cost for the more well-appointed Sonata Limited 4-Dr Sedan version, as shown below.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Estimates do not factor in specific location which can influence premiums noticeably.

What is the best car insurance company in Arizona?

Insuring your vehicle with the best auto insurance provider can be a challenge considering how many companies are available to choose from in Arizona. The information displayed below can help you select which auto insurance companies to look at putting your business with. These rankings are only made up of the largest companies in America, so companies with more of a regional focus are not included in these rankings.

Top 10 Major Car Insurance Companies in Arizona Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Top 10 Major Car Insurance Companies Overall in Arizona

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance

Top Companies for Hyundai Sonata Insurance in Arizona

Rate difference between full and liability-only coverage

Finding the best cheap insurance for a Hyundai Sonata in Arizona is probably important to the majority of drivers, and one great way to find cheaper insurance is to only buy liability insurance. The diagram below shows the comparison of insurance costs with and without full coverage. The data assumes no claims, a clean driving record, $500 deductibles, drivers are not married, and no other discounts are factored in.

If averaged out across all ages, physical damage coverage costs $1,919 per year more than just buying liability insurance. That touches on the question if buying full coverage is worth the expense. There is no definitive rule of when to drop physical damage coverage, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s pretend your vehicle’s replacement value is $8,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,500 after paying your deductible. If you are paying in excess of $750 annually for full coverage, then you might consider buying liability only.

There are some situations where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage.

Progressive vs Allstate vs State Farm vs Geico

If you want reliable insurance for a Sonata in Arizona, the top insurers to get price quotes from are Progressive, Allstate, State Farm, and Geico. All offer liability and physical damage insurance, but each one has slightly different options that may influence your choice. The table below compares and contrasts price, claims, and customer service ratings, as well as some optional coverages offered by each company.