Finding the best cheap car insurance for a Hyundai Sonata in Texas depends on an enormous amount of factors such as how far you commute, whether or not you have prior claims, and your choice of deductibles. Texas drivers will pay on average $1,407 annually to insure their Sonata, but that figure is a valuation based upon a 30-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you’re not a 30-year-old female, you might be married instead of single, and you want different coverage limits than the example. This illustrates why the only real way to find the cheapest coverage for your Hyundai is to compare as many rates as possible.
View Hyundai Sonata Insurance Rates
The specific trim level will most likely have an effect on the cost of insurance, so the price you will pay to insure a Sonata GLS 4-Dr Sedan trim level will be $122 less than the cost to insure the higher-end Sonata Limited 4-Dr Sedan trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $266 | $492 | $582 | $34 | $174 | $1,548 | $129 |
| Sonata GLS 4-Dr Sedan | $266 | $492 | $582 | $34 | $174 | $1,548 | $129 |
| Sonata GLS 4-Dr Sedan | $266 | $492 | $582 | $34 | $174 | $1,548 | $129 |
| Sonata SE 4-Dr Sedan | $266 | $580 | $582 | $34 | $174 | $1,636 | $136 |
| Sonata SE 4-Dr Sedan | $266 | $580 | $582 | $34 | $174 | $1,636 | $136 |
| Sonata Limited 4-Dr Sedan | $300 | $580 | $582 | $34 | $174 | $1,670 | $139 |
| Sonata Limited 4-Dr Sedan | $300 | $580 | $582 | $34 | $174 | $1,670 | $139 |
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Estimates do not factor in specific San Antonio garaging location which can modify premiums greatly.
Locating low-cost car insurance is not easy, and determining which companies quote the cheapest auto insurance rates for a Hyundai Sonata will involve even more work. Every car insurance company uses their own formula to set premium rates, so we need to take a look at the auto insurance companies with the most affordable rates in Texas.
It’s important that readers know that San Antonio, TX auto insurance rates are impacted by many factors which can significantly increase or decrease the price you pay. Things like getting older, buying a home, or having an accident can trigger changes in premium that can now make some companies cheaper than competitors.
Best Insurance Companies for Your Sonata
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,382 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,476 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,613 |
| 11 | Allstate | $1,650 |
| 12 | Progressive | $1,698 |
| 13 | Amica | $1,705 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,672 |
| View More Rates Go | ||
Travelers may offer some of the best car insurance rates in San Antonio at around $1,041 annually. This is $863 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the cheaper San Antonio, TX car insurance companies.
In this example, if you are insured with USAA and switched to Travelers, you might achieve a yearly savings of upwards of $76. Insureds with Texas Farm Bureau could save as much as $194 a year, and Germania Mutual customers might reduce rates by $215 a year.
To see if you’re overpaying, click here to start your free quote or visit several of the following companies.
Understand that those premium estimates are averaged across all ages of drivers and types of vehicles and do not factor in an exact zip code location for a Hyundai Sonata. So the company that is best for you may not even be in the top 23 companies in the list above. That points out the importance of why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.
Discount San Antonio car insurance rates
Car insurance companies that offer quotes for a Hyundai Sonata may also provide premium discounts that may potentially lower prices by 25% or more if you meet specific criteria. The best auto insurance companies and some of the discounts are detailed below.
- Progressive policyholders can earn discounts including online quote discount, good student, multi-vehicle, homeowner, online signing, continuous coverage, and multi-policy.
- Farmers Insurance discounts include good student, early shopping, alternative fuel, homeowner, pay in full, youthful driver, and business and professional.
- Farm Bureau may have discounts that include youthful driver, renewal discount, multi-policy, 55 and retired, and good student.
- State Farm offers discounts for good student, multiple policy, driver’s education, accident-free, Drive Safe & Save, safe vehicle, and good driver.
- GEICO may include discounts for emergency military deployment, anti-lock brakes, military active duty, multi-policy, and good student.
- SAFECO includes discounts for safe driver, anti-theft, multi-car, drive less, bundle discounts, teen safe driver, and accident prevention training.
- Liberty Mutual has savings for multi-car, new move discount, newly married, preferred payment discount, hybrid vehicle, safety features, and teen driver discount.
The information below compares insurance costs with and without discounts applied to the policy premium. Data assumes a male driver, no violations or claims, Texas state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, marriage, multiple policy, claim-free, multiple vehicle, and vehicle safety discounts applied. With discounts applied, theamount saved on auto insurance for a Hyundai Sonata is 28% or $698.
The illustration below shows how choosing a deductible can impact insurance costs when quoting cheap insurance for a Hyundai Sonata. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
A 30-year-old driver could cut expenses by $396 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $598 by selecting a $1,000 deductible. Young drivers, like the 20-year-old, could shave up to $1,206 or more by choosing a larger deductible amount. When raising deductibles, it will now be necessary to have plenty of discretionary funds to satisfy the extra out-of-pocket expense that is associated with using high deductibles.
How to find more affordable insurance for a Hyundai Sonata
It is possible to find better rates, and here are some of the recommended money-saving solutions that can help Texas drivers quote low-cost car insurance.
- You will pay more if you get tickets or have at-fault accidents
- Raise your deductibles
- Clean up your credit
- Drop full coverage on older vehicles
- Drive a car with a high safety rating
- Avoid having at-fault accidents
- Shop around and save
That final tip is especially necessary, as was affirmed in this article. Prices charged by auto insurers in San Antonio go up and down frequently, so don’t be hesitant to buy a different policy if a lower-cost policy is available. Having a favorite company is great, but it isn’t a good idea if that loyalty results in overpaying a lot of money every month. Now is a great time to shop around to find cheaper insurance for a Hyundai Sonata.