Buying affordable insurance for a Hyundai Sonata is pretty simple, but it depends on an enormous amount of factors such as whether you are male or female, whether or not you have filed claims in the past, and any prior driving citations you have received. Wisconsin drivers pay around $786 each year to insure their Sonata, but that amount is an estimation calculated based on a 30-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
But there is a good chance that you may not be 30 years old (or even male), you might be married instead of single, and you might want liability-only or different deductibles. Everyone has unique insurance needs, and this illustrates why the best method for finding the cheapest coverage for your Hyundai is to just compare rates yourself.
Find Cheaper Hyundai Sonata Insurance
The specific trim level impacts the cost of insurance, so the rate you will pay to insure a Sonata GLS 4-Dr Sedan trim level will be $64 less than the insurance cost for the higher-end Sonata Limited 4-Dr Sedan trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $164 | $242 | $340 | $20 | $102 | $868 | $72 |
| Sonata GLS 4-Dr Sedan | $164 | $242 | $340 | $20 | $102 | $868 | $72 |
| Sonata GLS 4-Dr Sedan | $164 | $242 | $340 | $20 | $102 | $868 | $72 |
| Sonata SE 4-Dr Sedan | $164 | $284 | $340 | $20 | $102 | $910 | $76 |
| Sonata SE 4-Dr Sedan | $164 | $284 | $340 | $20 | $102 | $910 | $76 |
| Sonata Limited 4-Dr Sedan | $186 | $284 | $340 | $20 | $102 | $932 | $78 |
| Sonata Limited 4-Dr Sedan | $186 | $284 | $340 | $20 | $102 | $932 | $78 |
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific location which can alter premiums noticeably.
Ending up with the best insurance provider is hard considering how many choices you have in Madison. The information listed below may help you select which providers you want to consider when buying insurance for a Hyundai Sonata. These ratings include companies who write in the majority of U.S. states, so companies that focus mainly on Wisconsin business are not factored into these rankings.
Top 10 Major Auto Insurance Companies in Madison Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- Liberty Mutual
- State Farm
- Allstate
- Safeco Insurance
- Travelers
- 21st Century
Top 10 Major Auto Insurance Companies in Madison Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Nationwide – A+
- Esurance – A+
- The Hartford – A+
- Erie Insurance – A+
- Progressive – A+
- Allstate – A+
How to get discounts on Madison auto insurance rates
Auto insurance companies that offer coverage for a Hyundai Sonata may additionally offer price discounts that could reduce prices by as much as 35% or more if you meet the requirements. Companies and some of their more popular discounts can be read below.
- American Family may offer discounts for good driver, air bags, early bird, bundled insurance, defensive driver, multi-vehicle, and mySafetyValet.
- State Farm may include discounts for safe vehicle, student away at school, multiple autos, Drive Safe & Save, accident-free, and good driver.
- 21st Century offers discounts including student driver, automatic seat belts, defensive driver, anti-lock brakes, driver training, and 55 and older.
- Travelers offers premium reductions for early quote, home ownership, driver training, continuous insurance, and IntelliDrive.
- GEICO includes discounts for daytime running lights, good student, emergency military deployment, anti-lock brakes, driver training, multi-vehicle, and seat belt use.
The example below illustrates the comparison of car insurance costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Wisconsin state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with accident-free, passive restraint, vehicle safety, defensive driving course, marriage, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on insurance for a Hyundai Sonata is 28% or $381.
The information below shows how different deductible levels can increase or decrease premium costs when trying to find cheap insurance for a Hyundai Sonata. The costs are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
The data above shows that a 50-year-old driver could lower rates by $256 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $384 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, could potentially save as much as $852 or more by using higher deductibles when buying full coverage. When choosing a higher deductible, it will be required to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
How to find economical insurance for a Hyundai Sonata
Here are some of the recommended thrifty ideas that can help Wisconsin drivers quote lower-cost car insurance.
- Claim-free drivers earn discounts
- Get cheaper liability coverage by choosing a safer vehicle
- Do not get traffic tickets
- Buy your auto and home insurance from the same company and save
- Save money by insuring older vehicles for liability only
- Remain accident-free and save
- Compare price quotes at least once a year
The last tip in the list is certainly vital, as we noted in this write-up. Prices fluctuate constantly, so don’t be tentative to buy from a different company if a better deal can be had. Having a favorite company is great, but is isn’t recommended if that stubbornness costs you a lot of money every month. Take a few minutes and compare rates and find cheaper insurance for a Hyundai Sonata in Madison.
The auto insurance agents in Madison shown below can most likely answer your questions and help you decide which policy fits your needs best, since many people would rather get some professional input when shopping for the best coverage for a Hyundai Sonata. It’s not always easy to find the cheapest rate yourself, so insurance agents licensed in the state of Wisconsin can give comfort knowing you have adequate coverage if you have an accident or claim.
To locate an agency by location nearest to you, click the link at the bottom.
Homewood Insurance Agency
583 D’onofrio Dr Ste. 1012 – Madison, WI 53719 – (608) 442-6666
R and S Insurance
1520 Vernon St – Madison, WI 53703 – (608) 251-0022
Prairie Land Insurance Agency
2045 Atwood Ave #113A – Madison, WI 53704 – (608) 251-3009
American Family Insurance – Michael Kittoe
334 Junction Rd – Madison, WI 53717 – (608) 827-9788
Farmers Insurance – Allen Maxwell
2980 Cahill Main #205 – Madison, WI 53711 – (608) 630-9776