Who Has the Cheapest Insurance Quotes for a Hyundai Sonata in Oklahoma?

Your ability to find the best cheap coverage for a Hyundai Sonata in Oklahoma hinges on a complex formula that considers things like how far you commute, your claims history, and your driving record. Oklahoma drivers pay an average of $1,150 every 12 months to insure their Sonata, but that figure is an estimate using rate data for a 30-year-old married male driver with full coverage and $1,000 physical damage deductibles.

There is a high likelihood that you’re not a 30-year-old male, possibly single instead of married, or maybe you do not need full coverage. Having even a minor difference in the rating input factors could end up with a large change in the price of coverage.

Everyone has unique insurance needs, and this illustrates why the best way to find cheap insurance rates for your Hyundai is to quote often and with as many companies as possible.

Cheapest Hyundai Sonata Insurance Rates

The specific model of Sonata will likely have an effect on the cost of coverage, so the rate you will pay to insure a Sonata GLS 4-Dr Sedan trim level will be $92 cheaper than the insurance cost for the high end Sonata Limited 4-Dr Sedan version, as shown in the prices below.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Table data does not factor in zip code location which can alter prices noticeably.

Picking the highest-rated insurance company is hard considering how many companies sell coverage in Oklahoma. The ranking data in the next section can help you decide which auto insurance companies to look at when comparing insurance rates for a Hyundai Sonata. These rankings are only made up of companies that insure vehicles across America, so companies that have a smaller presence are not taken into consideration for the list.

Top 10 Major Auto Insurance Providers in Oklahoma Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top 10 Major Auto Insurance Providers in Oklahoma Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. The Hartford

Top Companies for Hyundai Sonata Insurance in Oklahoma

Rate difference between full and liability-only coverage

Finding the cheapest insurance for a Hyundai Sonata in Oklahoma is the goal of the majority of people, and one easy way to reduce the cost of insurance is to not buy full coverage. The chart below illustrates the difference between insurance prices with and without physical damage coverage. The information is based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Averaged out for all age groups, physical damage coverage costs $3,206 per year more than just buying liability only. That is a big expense that brings up the question if you should buy full coverage at all. There is no clear-cut formula for dropping comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s assume your vehicle’s settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying your policy deductible. If premium cost is more than $200 annually for physical damage coverage, then it might be time to buy liability only.

How accidents and violations affect rates

In a perfect world, the best way to receive the cheapest auto insurance prices in Oklahoma for a Sonata is to be a safe driver and avoid accidents and violations. The information below highlights how traffic violations and accidents impact annual premium costs for each different age category. The data assumes a married male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

In the previous chart, the average cost of auto insurance in Oklahoma per year with no accidents and a clean driving record is $2,673. Factor in two speeding tickets and the average cost rises to $3,697, an increase of $1,024 each year. Now throw in one accident along with the two speeding tickets and the annual cost of auto insurance for a Hyundai Sonata goes up to an average of $4,744. That’s an increase of $2,071, or $173 per month, just for being a less-than-perfect driver!

State Farm, Progressive, Geico, or Allstate: Which is best?

When buying insurance for a Sonata in Oklahoma, four companies you’ll want quotes from are State Farm, Progressive, Geico, and Allstate. All four can cover your vehicle for liability and physical damage, but each one has different options that you can select from. The next table shows ratings for price and service, as well as some optional coverages that are available from each company.