Buying economical auto insurance for a Hyundai Sonata in Florida is dependent upon many different factors such as annual vehicle mileage, the likelihood of vehicle theft, and your choice of physical damage deductibles. Drivers will pay around $1,378 annually for Sonata insurance, but that price is based on a 30-year-old married male driver with full coverage and $250 deductibles.
The issue that arises when projecting rates is that it’s very likely that you’re not a 30-year-old male, maybe you are single instead of married, and you don’t want the same coverages and limits as the example. Just a very minor change in the rating criteria used to formulate rates could end up in a significant change in the amount insurance costs for a Hyundai Sonata.
Auto insurance is not the same for everyone, so the only way to find the cheapest insurance price for your Hyundai is to just compare rates yourself.
Compare Hyundai Sonata Insurance Rates
Your vehicle’s trim level tends to have a direct effect on price, so the rate you pay to insure a Sonata GLS 4-Dr Sedan trim level will be $138 less expensive the insurance cost for the higher-priced Sonata Limited 4-Dr Sedan version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $322 | $544 | $472 | $28 | $142 | $1,508 | $126 |
| Sonata GLS 4-Dr Sedan | $322 | $544 | $472 | $28 | $142 | $1,508 | $126 |
| Sonata GLS 4-Dr Sedan | $322 | $544 | $472 | $28 | $142 | $1,508 | $126 |
| Sonata SE 4-Dr Sedan | $322 | $640 | $472 | $28 | $142 | $1,604 | $134 |
| Sonata SE 4-Dr Sedan | $322 | $640 | $472 | $28 | $142 | $1,604 | $134 |
| Sonata Limited 4-Dr Sedan | $364 | $640 | $472 | $28 | $142 | $1,646 | $137 |
| Sonata Limited 4-Dr Sedan | $364 | $640 | $472 | $28 | $142 | $1,646 | $137 |
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific garaging location which can affect premiums considerably.
Figuring out which company offers the cheapest car insurance rates for a Hyundai Sonata will take a tad more effort in order to find the best policy. Every auto insurer used slightly different criteria to determine premium rates, so let’s take a look at the most competitive car insurance companies in Florida.
Find the Cheapest Car Insurance for Your Sonata
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $957 |
| 2 | Amica | $1,694 |
| 3 | Electric | $1,712 |
| 4 | Progressive | $1,847 |
| 5 | Travelers | $1,888 |
| 6 | Allied | $1,985 |
| 7 | Mercury | $1,992 |
| 8 | Esurance | $2,040 |
| 9 | Auto-Owners | $2,085 |
| 10 | State Farm | $2,110 |
| 11 | GEICO | $2,172 |
| 12 | Allstate | $2,340 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,549 |
| 15 | MetLife | $2,900 |
| 16 | Safeco | $2,927 |
| 17 | Hanover | $2,964 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,422 |
| 20 | Direct General | $4,022 |
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USAA has some of the best car insurance rates in Tampa at around $957 per year. Amica, Electric, Progressive, and Travelers also qualify as some of the best Tampa, FL car insurance companies.
As shown above, if you are a policyholder with Amica and switched to USAA, you may realize an annual premium reduction of about $737. Customers with Electric may save as much as $755 a year, and Progressive customers might reduce prices by as much as $890 a year.
To find the cheapest coverage for you, click here to start a quote or click several companies below for low rates.
It’s important to note that these policy rates are averages for all types of drivers and the different vehicles they drive and are not factoring in a specific zip code for a Hyundai Sonata. So the insurer that fits your needs best may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.
Discounts on Tampa insurance rates
Auto insurance companies that provide policies for a Hyundai Sonata may also give you rate discounts that can reduce rates by as much as 25% or more if you qualify. A few of the larger companies and a partial list of their discounts are outlined below.
- GEICO includes discounts for membership and employees, anti-lock brakes, air bags, federal employee, good student, and seat belt use.
- Travelers policyholders can earn discounts including good student, new car, multi-car, student away at school, and home ownership.
- Nationwide has savings for multi-policy, family plan, accident-free, anti-theft, good student, business or organization, and defensive driving.
- Farmers Insurance may have discounts that include alternative fuel, switch companies, distant student, good student, homeowner, and pay in full.
- Esurance offers discounts including multi-car, homeowner, Pac-12 alumni, renters, claim free, good student, and safety device.
- State Farm may offer discounts for defensive driving training, driver’s education, good student, accident-free, Steer Clear safe driver discount, and multiple autos.
- Progressive discounts include continuous coverage, online signing, multi-vehicle, online quote discount, and multi-policy.
- Mercury Insurance may include discounts for accident-free, multi-car, type of vehicle, location of vehicle, and good student.
The chart below illustrates the difference between insurance prices with and without discounts applied to the rates. The premiums assume a male driver, no accidents or driving violations, Florida state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, passive restraint, anti-theft, defensive driving course, accident-free, and claim-free discounts applied. In this example, the average amount saved each year on car insurance for a Hyundai Sonata is 28% or $829.
Compare quotes and save
Tampa car insurance rates are influenced by many factors which can substantially decrease or increase the cost of your policy. Simply getting older, buying higher coverage limits, or getting a reckless driving citation may cause policy rate changes resulting in some companies being cheaper than competitors. Not only that, but insurance companies file new Florida car insurance rates every year or even multiple times each year to help ensure profitability. Higher than normal claims can cause increased policy costs, while a lower level of claims may produce lower-priced Sonata insurance rates.
As an example, the data below shows which companies have the cheapest car insurance in Tampa, FL for a 35-year-old male driver with a clean driving record, no accidents, and great credit. When comparing rates based on his personal profile, USAA offers the best car insurance rates in Tampa at $1,458 a year. This is $990 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also on the list of the top five cheapest Tampa, FL auto insurance companies.
Now let’s give the driver from the first rate comparison some claims, less-than-perfect credit, and a blemish on his driving record. Since each auto insurer has a proprietary method to determine rates, comparing prices will most likely result in a different list of the cheapest Tampa car insurance companies as shown below.
USAA now has the best auto insurance rate in Tampa, FL with Mercury, Auto-Owners, Esurance, and GEICO now being in the top five. This shows why it is critical to compare rates when trying to find the best auto insurance rates for a Hyundai Sonata. Insurance rates consist of many risk factors and change frequently, so the cheapest company when you bought your policy may now be one of the more expensive options.
How to find economical car insurance for a Hyundai Sonata
Lowering your rates is not difficult, and here are some of the recommended penny-pinching solutions that can help you get cheap coverage.
- Avoid filing small claims
- Do not get into accidents
- Save money by observing traffic laws and speed limits
- Bundle home or renters insurance to earn a discount on car insurance
- Buy a car with high safety ratings
- Do not pay for full coverage if not needed
- Compare rates and switch if you can find a better deal
That last piece of advice is highly necessary, as was noted in the prior article. Prices charged by car insurance companies in Tampa fluctuate considerably, so drivers shouldn’t hesitate to switch carriers if a more affordable rate is found.
Many drivers prefer to stick with one company, but is isn’t recommended if that inflexibility results in costing you money that could be spent on other things. If you have a few minutes, now is a great time to shop around and find cheaper insurance for a Hyundai Sonata.
The insurance agents in Tampa listed below are a good start to aid you in deciding which coverage fits your budget, as lots of people like to have a professional recommendation when comparing insurance rates for a Sonata. It can be hard to find the best coverage on your own, and professional agents can give you peace of mind knowing your coverage gives you sufficient coverage at claim time. To locate an agency close to you, click the button at the bottom of the list or click here to compare rates now.
- Rip Weachter Insurance Agency
4311 W El Prado Blvd – Tampa, FL 33629 – (813) 831-8889 - Central Florida Insurance Agency of Town ‘N’ Country
7753 W Waters Ave – Tampa, FL 33615 – (813) 885-2900 - Doug MacDaid – State Farm Insurance Agent
8910 N Dale Mabry Hwy #3 – Tampa, FL 33614 – (813) 935-2937 - Jim Cornwell – State Farm Insurance Agent
4305 W Bay to Bay Blvd – Tampa, FL 33629 – (813) 835-8892