Best Cheap Insurance Quotes for a Hyundai Sonata in Maryland

The chances of buying the best cheap auto insurance for a Hyundai Sonata in Maryland is dependent upon a complicated rating formula that uses factors like your vehicle’s safety rating, if you have ever let your coverage lapse, and if you have any chargeable driving offenses. Drivers in Maryland on average will pay $1,700 each year for Sonata insurance, but that cost is an estimate based upon a 40-year-old single female who needs comprehensive and collision coverage and $100 deductibles.

There is a really good chance that you may not be 40 years old (or even female), you might be married instead of single, or maybe your Sonata doesn’t need comprehensive and collision coverage. Changing even a minor factor in quote information can induce significant differences in quoted rates.

Insurance is an individual thing, so your best chance at finding the cheapest rates for your Hyundai is to just take the time to do a thorough rate comparison. Compare rate quotes now and you will be able to see rates from some of the best insurers that insure Hyundai vehicles in Maryland.

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Your Hyundai’s trim level can impact the cost of insurance, so the price you will be charged to insure a Sonata GLS 4-Dr Sedan trim level will be $168 lower than the insurance cost for the more well-appointed Sonata Limited 4-Dr Sedan trim level, as demonstrated by the prices below.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Information does not factor in specific location which can modify prices considerably.

Establishing which company quotes the best auto insurance rates for a Hyundai Sonata will involve a little more effort than just quoting one company’s rates. Each auto insurance company has their own formula to set premium rates, so let’s look at the rankings for the most budget-friendly auto insurance companies in Maryland.

It’s important to understand that Maryland auto insurance rates are impacted by many things that may substantially change the price you pay for coverage. Simply having a birthday, buying a different home, or having an at-fault accident can cause premium changes that may make certain companies much cheaper than others.

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USAA has some of the lowest car insurance rates in Maryland at around $930 a year. Liberty Mutual, Penn National, Erie, and State Auto also qualify as some of the lowest-priced Maryland auto insurance companies.

As illustrated above, if you currently have a policy with State Auto and switched to Liberty Mutual, you could see yearly savings of in the neighborhood of $122. Drivers with Amica might save as much as $216 a year, and MetLife policyholders might realize rate reductions of up to $280 a year.

To get a quick, customized rate comparison, click here or click through to the companies below.

Remember that these premiums are averaged for all drivers and vehicles and do not factor in a specific rate value for a Hyundai Sonata. So the auto insurance company that fits your situation best may not even be featured in the list of companies shown earlier. That helps illustrate why you need to compare as many prices as possible using your own individual information.

Should you buy full coverage?

Finding the best cheap insurance for a Hyundai Sonata in Maryland should be important to most vehicle owners, and one easy way to save on the cost of insurance is to buy only liability coverage. The information below illustrates the comparison of car insurance rates when comparing full coverage to liability only. Data assumes no violations or accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.

If averaged for all ages, physical damage coverage on your policy costs $2,159 per year over and above liability only. That is a significant amount which raises the question if you should buy full coverage at all. There is no written rule that works best for making the decision to drop full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

How accidents and violations affect rates

The best way to earn the best auto insurance premiums for a Sonata is to drive carefully and not get tickets or have accidents. The example below highlights how traffic violations and accident claims increase insurance costs for different age categories. The data assumes a married male driver, full coverage, $500 deductibles, and no discounts are applied.

In the previous example, the average cost of a car insurance policy in Maryland per year with no accidents or violations is $2,204. Get two speeding tickets and the average cost swells to $3,040, an increase of $837 each year. Then include one accident along with the two speeding tickets and the annual cost of auto insurance for a Hyundai Sonata increases to an average of $3,887. That’s an increase of $1,683, or $140 per month, just for a couple of infractions!