Best Cheap Insurance Quotes for a Hyundai Sonata in California

Best Cheap Insurance Quotes for a Hyundai Sonata in California

Finding cheaper insurance for a Hyundai Sonata in California depends upon a lot of rating criteria such as when you were born, if you have ever let your policy lapse, and driving violations. Drivers in California on average pay approximately $1,000 each year for Sonata insurance, but that price is a valuation based on cost data for a 50-year-old married female that purchased both comprehensive and collision coverage and $1,000 physical damage deductibles.

When estimating a car insurance rate like we just did, the issue is that you may not be 50 years old (or even female), you might be single instead of married, and you need different coverage limits than the sample rates. Having what appears to be a very minor change in the factors used to determine rates can lead to a big change in the cost of insurance for a Hyundai Sonata.

Each driver has unique rating factors, so the best way to find cheap insurance prices for your Hyundai is to regularly compare rates at renewal. Quotes only take a few minutes and you will be able to see rates from the best companies that insure Hyundai vehicles in California.

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The trim level of your vehicle will have an impact price, so the price you will pay to insure a Sonata GLS 4-Dr Sedan will be $76 cheaper than the cost to insure the higher-priced Sonata Limited 4-Dr Sedan model, as shown below.

Hyundai Sonata Insurance Rates in California
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $162 $300 $470 $28 $140 $1,100 $92
Sonata GLS 4-Dr Sedan $162 $300 $470 $28 $140 $1,100 $92
Sonata GLS 4-Dr Sedan $162 $300 $470 $28 $140 $1,100 $92
Sonata SE 4-Dr Sedan $162 $354 $470 $28 $140 $1,154 $96
Sonata SE 4-Dr Sedan $162 $354 $470 $28 $140 $1,154 $96
Sonata Limited 4-Dr Sedan $184 $354 $470 $28 $140 $1,176 $98
Sonata Limited 4-Dr Sedan $184 $354 $470 $28 $140 $1,176 $98
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate information does not factor in zip code location which can lower or raise prices considerably.

Finding reasonably-priced auto insurance is not the easiest thing to accomplish, and deciding which company quotes the most affordable auto insurance rates for a Hyundai Sonata may require a little more work. Every car insurance company has a unique formula to set premium rates, so let’s begin by taking a look at the lowest cost auto insurance companies in California.

It’s important to know that California auto insurance rates are impacted by many factors that may substantially change the price of coverage. Price variation is why consumers need to take the time to compare lots of rates when trying to get the most budget-friendly insurance quotes for a Hyundai Sonata. Rates are determined by many risk factors and can decrease or increase without notice, so the best option the last time you checked may now be wasting a lot of money.

Best Auto Insurance Prices for Your Sonata

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,143
2 Century National $1,178
3 Wawanesa $1,181
4 CSAA $1,234
5 Nationwide $1,250
6 21st Century $1,379
7 Grange $1,491
8 GEICO $1,513
9 Mercury $1,533
10 Allied $1,541
11 Progressive $1,558
12 Allstate $1,559
13 MetLife $1,590
14 The Hartford $1,639
15 Esurance $1,705
16 State Farm $1,733
17 Unitrin $1,750
18 Bristol West $1,777
19 Travelers $1,860
20 Farmers $1,946
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USAA generally has some of the best car insurance rates in California at around $1,143 annually. Century National, Wawanesa, CSAA, and Nationwide also make the cut as some of the most economical California auto insurance companies.

As shown in the rates above, if you are insured with CSAA and switched to USAA, you could earn an annual premium reduction of about $91. Insureds with Nationwide might save as much as $107 a year, and 21st Century insureds might reduce prices by as much as $236 a year.

To discover how much you can save, click here to start a quote or visit any of the low-priced companies below.

Bear in mind that those prices are averages for all types of drivers and the different vehicles they drive and and are not calculated with a specific rate factor for a Hyundai Sonata. So the auto insurance company that can offer you the lowest price may not even be included in the chart above. That’s why you need to get rate quotes using your own personal information and vehicle type.

Impact of speeding/accidents on California auto insurance rates

In a perfect world, the ideal way to score cheap auto insurance prices in California for a Sonata is to pay attention while driving and have a clean driving record. The diagram below demonstrates how traffic citations and accident claims increase insurance costs for each age group. Data assumes a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

In the example above, the average cost of auto insurance in California per year with no violations or accidents is $1,882. Get written up for two speeding tickets and the average cost increases to $2,667, an increase of $785 each year. Now get one accident along with the two speeding tickets and the yearly cost of auto insurance for a Hyundai Sonata increases to an average of $3,478. That’s an increase of $1,595, or $133 per month, just for not being attentive to the road!

Liability only or full coverage

Finding the best cheap insurance for a Hyundai Sonata in California should be important to most people, and one of the quickest ways to save on the cost of insurance is to buy only liability coverage. The example below visualizes the comparison of insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The data is based on no claims or driving citations, $1,000 deductibles, single marital status, and no discounts are factored in.

If all age groups are averaged, physical damage coverage costs an extra $2,467 per year more than just buying liability insurance. That raises the question if physical damage coverage is worth the money. There is no exact formula that is best for determining when to drop full coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

How to find the best cheap insurance for a Hyundai Sonata in California

It is possible to find better rates, and here are many penny-pinching suggestions that can help California drivers find lower-cost car insurance.

  • Tickets and violations raise rates
  • Staying accident-free helps keep rates low
  • Too many claims can make car insurance unaffordable
  • Buying home and auto together can help save money
  • Vehicles with good safety ratings have lower liability rates
  • Shop around for lower rates once a year

The last tip is extremely significant, as was discussed in the article above. Prices charged by car insurance companies in California can change considerably based on profitability, so don’t be unwilling to buy from a different company if you can find a cheaper rate. Loyalty to a specific company is fine, but it isn’t a good idea if that devotedness results in you overpaying a small fortune year after year. It only takes a couple minutes to compare rates and find cheaper insurance for a Hyundai Sonata.