Who Has the Cheapest Arlington Car Insurance for a Hyundai Sonata?

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Hyundai Sonata insurance rates
Hyundai Sonata insurance rates image courtesy of QuoteInspector.com

Buying the cheapest coverage for a Hyundai Sonata is pretty easy to do, but it depends on many different factors such as how many miles you drive each year, where your vehicle is garaged, and any prior driving offenses. Drivers in Texas pay approximately $1,576 per year for Sonata insurance, but that is a projection based upon a 30-year-old single female driver with full coverage and $250 deductibles.

More likely than not, you're not a 30-year-old female, married instead of single, or maybe you just want liability only instead of full coverage. Having just a slight change in rating criteria may result in significant differences in the cost of insurance for a Hyundai Sonata.

Auto insurance is not the same for everyone, so the best way to find the most affordable coverage for your Hyundai is to do your own rate comparisons.

Find Cheaper Hyundai Sonata Insurance

Vehicle trim level will have an impact the annual cost of coverage, so the rate you will pay to insure a Sonata GLS 4-Dr Sedan will be $152 cheaper than the insurance cost for the more costly Sonata Limited 4-Dr Sedan trim level, as shown by the rates below.

Hyundai Sonata Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $326 $610 $582 $34 $174 $1,726 $144
Sonata GLS 4-Dr Sedan $326 $610 $582 $34 $174 $1,726 $144
Sonata GLS 4-Dr Sedan $326 $610 $582 $34 $174 $1,726 $144
Sonata SE 4-Dr Sedan $326 $720 $582 $34 $174 $1,836 $153
Sonata SE 4-Dr Sedan $326 $720 $582 $34 $174 $1,836 $153
Sonata Limited 4-Dr Sedan $368 $720 $582 $34 $174 $1,878 $157
Sonata Limited 4-Dr Sedan $368 $720 $582 $34 $174 $1,878 $157
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in specific zip code location which can lower or raise auto insurance rates significantly.

Figuring out which insurers offer the cheapest auto insurance rates for a Hyundai Sonata calls for more time than just comparing rates from one or two companies.

Each auto insurance company has their own guidelines for setting rates, so let's take a look at the lowest cost auto insurance companies in Texas.

Best Cheap Insurance Rates for Your Sonata

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What's the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,084
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,282
5 Esurance $1,407
6 California Casualty $1,424
7 State Farm $1,510
8 Mercury $1,521
9 Nationwide $1,553
10 Safe Auto $1,613
11 Allstate $1,701
12 Progressive $1,715
13 Amica $1,775
14 Home State $2,071
15 GEICO $2,072
16 MetLife $2,227
17 Encompass $2,301
18 Unitrin $2,310
19 21st Century $2,494
20 Titan $2,594
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Travelers has some of the lowest car insurance rates in Arlington at around $1,041 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the cheaper Arlington, TX auto insurance companies.

In the rate table above, if you buy coverage from USAA and switched to Travelers, you might realize an annual savings of upwards of $43. Customers with Texas Farm Bureau may save as much as $206 a year, and Germania Mutual insureds might reduce rates by $241 a year.

To get a quick, customized rate comparison, click here to start a quote or visit any of the companies below.

Be aware that those premium estimates are averages for all ages of drivers and types of vehicles and do not take into consideration a specific zip code for a Hyundai Sonata. So the car insurance company that is most affordable for your situation may not even be in the top 23 companies in the list above. That points out the importance of why you need to get car insurance quotes using your own individual information.

The chart below demonstrates how deductibles can impact yearly insurance costs when getting quotes for cheap insurance for a Hyundai Sonata. The rate quotes are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

The data above shows that a 30-year-old driver could lower rates by $468 a year by increasing from a $100 deductible to a $500 deductible, or save $704 by using a $1,000 deductible. Youthful drivers, like the Age 20 category, could drop their prices up to $1,048 every year by using a higher deductible. If you make the decision to raise deductibles, it will now be necessary to have enough savings set aside to allow you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Liability only or full coverage

Finding the cheapest auto insurance should be important to the majority of vehicle owners, and a great way to buy cheaper insurance for a Hyundai Sonata is to only buy liability coverage. The illustration below illustrates the comparison of car insurance rates when comparing full coverage to liability only. The rates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are taken into consideration.

Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs an extra $2,922 per year more than just insuring for liability. A very common question is if buying full coverage is a waste of money. There is no specific rule for eliminating physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let's pretend your vehicle's claim settlement value is $4,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,500 after paying your deductible. If you are paying more than $350 a year to have full coverage, then it's probably a good time to buy liability coverage only.

There are a few situations where removing full coverage is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder's interest. Also, if you can't afford to buy a different vehicle in case of an accident, you should not consider dropping full coverage.

Discount Arlington insurance

Auto insurance for a Sonata in Arlington, TXInsurance providers that offer cheap quotes for a Hyundai Sonata may additionally offer special discounts that could reduce prices by 40% or more if you are eligible to receive them. A few popular companies and a selection of discounts are detailed below.

The illustration below shows the comparison of yearly insurance costs with and without policy discounts. The rate quotes are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple vehicle, passive restraint, safe-driver, homeowner, marriage, and vehicle safety discounts applied. When discounts are factored in, theamount saved on auto insurance for a Hyundai Sonata is 28% or $578.