How Much Does Insurance Cost for a Hyundai Sonata in Pennsylvania?

When the topic is car insurance, the word cheap should never appear anywhere in the article as a descriptor for car insurance rates. Be that as it may, cheap auto insurance for a Hyundai Sonata can seem impossible to find. But don’t despair, because we will tell you how you can still find and buy coverage that is cheaper than what you are paying now.

Whether or not you can find cheap auto insurance for a Hyundai Sonata in Pennsylvania depends upon factors like age of the vehicle, if you are a frequent claim filer, and if your driving record shows any at-fault accidents. Pennsylvania drivers pay around $970 per year to insure a Sonata, but that amount is a ballpark figure assuming a 40-year-old single male who purchased full physical damage coverage and $1,000 policy deductibles.

But there is a high likelihood that you are not 40 and possibly not even male, married instead of single, or maybe you just want liability only. This example demonstrates why the most reliable way to find cheap auto insurance rates for your Hyundai is to do a thorough rate comparison. Rate quotes are easy and you will get price quotes from top-rated companies in Pennsylvania.

Compare Hyundai Sonata Insurance Rates

The specific trim level tends to have a direct effect on price, so the price to insure a Sonata GLS 4-Dr Sedan will be $76 cheaper than the cost to insure the high end Sonata Limited 4-Dr Sedan version, as shown below.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in your specific Pennsylvania location which can increase or decrease price quotes significantly.

Establishing which company quotes the cheapest insurance rates for a Hyundai Sonata requires a bit more work in order to find coverage that fits your buget. Every insurance company has a unique formula for establishing rates, so let’s take a look at the lowest cost insurance companies in Pennsylvania.

It’s important that readers know that Pennsylvania insurance rates are determined by lots of factors that may substantially change the price of coverage. Improving your credit rating, moving to a new city, or getting a driving violation may prompt premium changes resulting in some companies being affordable when they were higher priced.

Find the Cheapest Car Insurance for Your Sonata

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General Casualty has some of the lowest car insurance rates in Pennsylvania at around $718 each year. Travelers, USAA, Erie, and Penn National would also make the list of some of the more affordable Pennsylvania car insurance companies.

In this example, if you are currently insured with Travelers and switched to General Casualty, you could see savings of in the vicinity of $61. Customers with USAA might save as much as $75 a year, and Erie insureds might lower prices by $106 a year.

To find cheap insurance for a Hyundai Sonata in Pennsylvania for your vehicle, click here to begin a quote or feel free to get quotes from the companies below.

It’s important to note that these premiums are averaged for all types of insureds and vehicles and do not factor in a specific rating modification for a Hyundai Sonata. So the car insurance company that fits your age and vehicle best may not even be shown in the list above. That underscores the importance of why you need to compare rates from multiple companies using your own specific driver and vehicle information.

Get discounts on Pennsylvania auto insurance

Insurance providers that sell cheap insurance for a Hyundai Sonata in Pennsylvania may also provide rate discounts that could lower prices by 35% or more if you can meet the requirements. A few popular companies and some of their more popular discounts are:

The diagram below shows the comparison of car insurance rates with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, marriage, multiple policy, passive restraint, claim-free, and anti-theft discounts applied. With discounts applied, the the amount saved on insurance for a Hyundai Sonata is % or $.

Rate difference between full and liability-only coverage

Finding cheap insurance for a Hyundai Sonata in Pennsylvania is probably important to most drivers, and an easy way to lower the cost of insurance is to only pay for liability coverage. The example below shows the difference between auto insurance costs with full physical damage coverage compared to only buying liability only. The rates are based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no policy discounts are applied.

Averaged for all ages 20 through 70, physical damage coverage on your policy costs an additional $2,528 per year over and above liability coverage. Many people question if paying for full coverage is a waste of money. There is no definitive formula for phasing out physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s replacement value is $4,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,500 after paying your policy deductible. If premiums are more than $350 annually for your policy with full coverage, then you might want to think about dropping full coverage.

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

When researching insurance for a Sonata in Pennsylvania, four good companies to start with are Allstate, State Farm, Progressive, and Geico. When added together, they insure 48.5% of all policies written. The data below rates pricing and service ratings, plus some optional coverages you can expect with each one.