Who Has Affordable Auto Insurance Quotes for a Hyundai Sonata in Stockton?

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

Buying the best cheap coverage for a Hyundai Sonata in California can be really easy, but it relies on an enormous amount of rating factors such as how many years you have been driving, your address, and if you have a history of accidents. Drivers pay on average $1,402 per year to insure their Sonata, but that cost is a projection using a 50-year-old married male driver with full coverage and $100 deductibles.

When making auto insurance estimates, the issue arises that you are not 50 and maybe not even a male, maybe you are single instead of married, and maybe you want different deductibles. Having just a slight change in the criteria used to calculate rates could end up with a large change in the policy cost.

Different coverage needs are the reason why the best way to find cheap car insurance rates for your Hyundai is to compare rates from as many companies as possible. Compare rate quotes now and you can get rates from some of the best insurers that offer coverage in California.

Save Now on Sonata Insurance

The specific model of Sonata will influence the annual cost of coverage, so the price you pay to insure a Sonata GLS 4-Dr Sedan trim level will be $142 less expensive the cost to insure the more expensive Sonata Limited 4-Dr Sedan version, as demonstrated by the prices below.

Hyundai Sonata Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $296 $584 $480 $28 $144 $1,532 $128
Sonata GLS 4-Dr Sedan $296 $584 $480 $28 $144 $1,532 $128
Sonata GLS 4-Dr Sedan $296 $584 $480 $28 $144 $1,532 $128
Sonata SE 4-Dr Sedan $296 $688 $480 $28 $144 $1,636 $136
Sonata SE 4-Dr Sedan $296 $688 $480 $28 $144 $1,636 $136
Sonata Limited 4-Dr Sedan $334 $688 $480 $28 $144 $1,674 $140
Sonata Limited 4-Dr Sedan $334 $688 $480 $28 $144 $1,674 $140
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific zip code location which can decrease or increase coverage rates significantly.

Stockton auto insurance companies

Choosing a high-quality company can be difficult considering how many choices you have in Stockton. The company ratings in the lists below may help you select which coverage providers to look at when trying to find the cheapest insurance for a Hyundai Sonata.

The rankings below include the companies with a significant amount of written premium nationwide, so companies that only write business in California or surrounding areas are not included in the list. If you'd like to compare prices from many more California auto insurance companies, simply click here.

Best Ten Auto Insurance Companies for a Hyundai Sonata in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
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Data Source: Insure.com Best Car Insurance Companies

Full coverage rates compared to liability-only

Buying cheaper auto insurance is important to the majority of drivers, and one of the quickest ways to pay less for insurance for a Hyundai Sonata is to only pay for liability coverage. The example below illustrates the comparison of annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premium estimates are based on no claims or driving citations, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Averaged out for all age groups, full coverage costs an additional $2,618 per year over and above liability only. That is a large expense which might make you wonder if buying full coverage is a waste of money. There is no set guideline of when to stop paying for full coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

There are a few cases where eliminating full coverage is not in your best interest. If you haven't satisfied your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Why you are probably overpaying for Sonata insurance

California auto insurance rates are impacted by many things that control the policy price. Getting older, increasing liability limits, or getting into an accident may generate price changes that can make some companies cheaper than before.

Not only may your situation change, but companies modify rates as often as every quarter to adjust for heavy claims or excess profits. Higher than usual claims can cause high rates, while a lower level of claims can result in cheaper Sonata insurance rates.

The bar chart below shows the cheapest car insurance in Stockton, CA for a 40-year-old female driver with no prior accidents, a clean driving record, and great credit. If we estimate rates based on her personal profile, USAA may offer the most affordable car insurance rates in Stockton at $1,325 per year. This is $326 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also on the list of the top five cheapest Stockton, CA auto insurance companies.

The next chart shows rates after we give the driver from the first set of rates a couple of claims, less-than-perfect credit, and a stop sign violation. Since every insurance provider has a proprietary formula for filing rates in each state, comparing insurance quotes most likely will result in a different list of affordable companies as shown below.

Grange now has the cheapest car insurance in Stockton with Progressive, Mercury, GEICO, and Allstate now rounding out the top five. This shows why Stockton drivers need to shop around with many companies when trying to find the cheapest auto insurance quotes for a Hyundai Sonata.

Insurance prices can be determined by many factors and can decrease or increase without notice, so the best price a year ago may now be quite expensive.

Ideas for finding economical insurance for a Hyundai Sonata

It's not impossible to find cheaper rates, and here are a few thrifty suggestions that can help you buy cheaper auto insurance.

That last piece of advice is notably important, as was noted in this piece. Car insurance rates in Stockton change a lot, so don't be unwilling to switch companies if you can save money.

Being loyal to a particular company is commendable, but we do not recommend it if your bullheadedness ends up costing you thousands of dollars over the life of your policy. In just a few minutes you could compare rates to find cheaper car insurance for a Hyundai Sonata.

If you aren't sure which coverage you need and prefer to have some professional guidance when shopping for cheaper insurance for a Hyundai Sonata, the agencies below can help you decide which insurance coverage will be best for you.

To locate an agency near you, click the button at the bottom of the list or click here to compare prices now.

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