Sonata Insurance

Properly Insuring Your Hyundai Sonata

(Learn about each type of coverage and why you need it.)

The Hyundai Sonata underwent a sleek redesign for 2020 and offers drivers a comfortable ride and impressive fuel economy.  As the owner of a Sonata, you take risks by simply driving on the road every day. You can diminish the impact of those risks by carrying car insurance that protects you from the unique misfortunes you may face. An independent insurance agent can help you choose the best coverage. 

You can use this find-an-agent-tool to match you up with an agent near you and get the process started immediately. 

What Kind of Insurance Do You Need for Your Hyundai Sonata? 

Do you understand why you need each type of coverage? Any number of afflictions could affect you as a driver, so buying proper insurance protection is essential. Depending on the state you live in, you’ll have different requirements for minimum coverage. You can learn about some of your options below.  

Most states mandate the following coverage: 

Bodily injury liability 

Even if you take every measure possible to be a careful driver, it’s possible you may cause an accident, and if that happens, you are responsible for damage to the other driver. Bodily injury liability provides reimbursement for medical care and lost wages.

Property damage liability

If you happen to cause damage to someone else’s property while driving, you are responsible for repair costs. Property damage liability coverage provides payment for that damage. 

Many states also require this coverage

Medical payments/Personal injury protection

If you or your passengers are injured in an accident where you are at fault, you could sustain serious injuries and need medical care. Personal injury protection (PIP) coverage provides payments for medical treatment and lost wages. 

Uninsured motorist coverage

A shocking 13% of motorists are driving without auto insurance.

This puts everyone else on the road at risk for losses sustained from an uninsured driver causing an accident. Uninsured motorist coverage provides reimbursement for these costs, which could be substantial. You can also purchase uninsured and underinsured motorist coverage, which provides payment when the policy limits of the other driver are inadequate to cover damage. 

Optional Coverage

Collision insurance

Getting into a collision with another vehicle or object could cost you thousands of dollars. That’s where collision coverage kicks in, preventing excess out-of-pocket repair or replacement costs.

Comprehensive insurance 

There are plenty of incidents you could experience while driving that could result in damage to your vehicle. Anything from falling rocks to a fire can result in substantial repair costs. Comprehensive coverage pays for damage as a result of a covered incident. 

Glass coverage

Glass coverage can be added for a very low monthly payment and covers the cost of windshield repair or replacement. Glass claims are very common, since rocks easily fly up and frequently hit windshields. 

Gap insurance

If you owe more on your Sonata than it’s currently worth, you should consider purchasing gap insurance. In the case of a total loss after an accident, you would still be responsible for the remaining payments on your loan. Gap coverage covers the difference between what the car is worth and what you owe, making it a smart option if you are in this situation. 

What Affects the Cost of Car Insurance for Your Hyundai Sonata? 

Annual mileage 

Depending on how many miles you put on your car each year, your premiums will be affected. If you have a long commute each day, expect to pay more for insurance than someone who doesn’t drive as frequently.   

Driving record 

What is your driving record like? Unfortunately, If you’ve had any violations in the past several years, you’ll end up with higher rates than someone with a clean driving record. Your independent agent can advise you on when those points will fall off your record. 

Your car’s value

Cars that are worth more tend to have higher insurance premiums, since insurance companies will have to pay more in repairs for a more expensive vehicle. The Hyundai Sonata is reasonably priced with the following average prices:  

Average price of a Hyundai Sonata
2016$11,200 - $17,800
2017$12,575 - $19,825
2018$14,650 - $22,500
2019$17,000 - $25,900
2020$23,600 - $33,500

The safety of your Hyundai Sonata

Insurers take into consideration the safety ratings and features of your vehicle when it comes to insurance prices. The 2020 Hyundai Sonata earned a five-star overall rating from the National Highway Traffic Safety Administration (NHTSA). 

Where you live with your Hyundai Sonata

Did you know that where you live influences the cost of your insurance premiums? If you live in a large city, the chances of something like a collision of theft are greater than if you live in a small town. 

What Is the Average Cost to Insure a Hyundai Sonata?

The cost of your car insurance will vary depending on different factors like age, driving record, etc. On average, the annual insurance cost for full coverage on a Sonata will cost around $1,426. 

Which states are most affordable and least affordable for car insurance? 

Estimated annual car insurance premiums in the United States:

Most expensive states:
Louisiana$1,824
Michigan$1,600
Florida$1,596
California$1,588
Rhode Island$1,544
Most affordable states:
North Dakota$428
Ohio$500
North Carolina$520
Idaho$552
Maine$556

How Can You Save on Hyundai Sonata Car Insurance? 

If you are worried about the cost of car insurance, most insurance companies offer a variety of discounts to help you save, like: 

  • Good student discount
  • Anti-theft device discount
  • Affinity discount
  • Good driver discount
  • Multi-line discount
  • Multi-vehicle discount

Top Insurance Companies That Insure the Hyundai Sonata 

It’s important to choose an insurance company that fits your needs. The U.S. Independent Insurance Agent Satisfaction Study by J.D. Power awarded the following companies high marks: 

  1. Auto-Owners Insurance
  2. Progressive
  3. Safeco
  4. Travelers

Your independent agent will help you shop for coverage and find a company that meets your needs as a driver.  

Get a Hyundai Sonata Insurance Quote

Why work with an independent insurance agent? Your agent will find you the most affordable rate among many companies rather than just one, so you’ll get unbiased advice and fair estimates. Visit TrustedChoice.com to match up with a local agent and get a car insurance quote for your Hyundai Sonata today. 

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naic.org, consumer reports, nhtsa, statista, jd power