Buying the best cheap car insurance for a Hyundai Sonata is pretty straightforward, but it hinges on a large number of rating criteria such as how long your commute is, your residence address, and any prior driving offenses you have. Drivers in Arizona pay approximately $913 each year for Sonata insurance, but that figure is an estimation calculated using a 30-year-old single male driver with full coverage and $1,000 deductibles.
But there is a high probability that you’re not a 30-year-old male, married instead of single, or you just want cheap liability insurance instead of full coverage. Just a very minor change in policy rating criteria or coverages could result in a significant change in how much coverage for a Hyundai Sonata costs.
Everone’s needs are different, and this illustrates why the way we recommend to find affordable rates for your Hyundai is to compare as many rates as possible. Quotes are always free and you will receive prices from top-rated companies that offer coverage in Arizona.
The trim level of your vehicle impacts the yearly cost, so the cost to insure a Sonata GLS 4-Dr Sedan will cost $64 less than the price to insure the fancier 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 | $164 | $246 | $444 | $26 | $132 | $1,012 | $84 |
| Sonata GLS 4-Dr Sedan | $164 | $246 | $444 | $26 | $132 | $1,012 | $84 |
| Sonata GLS 4-Dr Sedan | $164 | $246 | $444 | $26 | $132 | $1,012 | $84 |
| Sonata SE 4-Dr Sedan | $164 | $290 | $444 | $26 | $132 | $1,056 | $88 |
| Sonata SE 4-Dr Sedan | $164 | $290 | $444 | $26 | $132 | $1,056 | $88 |
| Sonata Limited 4-Dr Sedan | $184 | $290 | $444 | $26 | $132 | $1,076 | $90 |
| Sonata Limited 4-Dr Sedan | $184 | $290 | $444 | $26 | $132 | $1,076 | $90 |
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Table data does not factor in Mesa location which can impact premiums noticeably.
Buying coverage from a highly-rated car insurance company can be rather challenging considering how many companies sell coverage in Arizona. The company rank data in the next section could help you decide which auto insurance companies to look at buying from.
The ratings below are only made up of the companies with a significant amount of written premium nationwide, so companies that focus mainly on Arizona business are not taken into consideration for these rankings. To view rates from these top-rated insurers and more, just click here.
Top 10 Major Auto Insurers Overall in Mesa
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
The diagram below highlights how deductible choice can change insurance prices when trying to find cheap insurance for a Hyundai Sonata. The prices are based on a single male driver, comp and collision included, and no discounts are applied to the premium.
In the chart above, a 30-year-old driver could lower their policy premium by $332 a year by switching from a $100 deductible up to a $500 deductible, or save $502 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could save $972 every year by choosing a higher deductible. If you make the decision to raise deductibles, it is a good idea to have enough funds in savings to be able to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Don’t make the mistake of not shopping around
Arizona auto insurance rates are based on many factors that will increase or decrease the price you pay for coverage. Improving your credit score, buying another vehicle, or having an accident may cause policy rate changes that can make some companies much cheaper than others. Additionally, companies change prices as often as every quarter in order to protect their financial rating. An unexpected high level of claims can result in high rates, while profitable underwriting may produce more affordable Sonata insurance rates.
The graph below shows the companies that have the cheapest car insurance in Mesa, AZ for a 45-year-old female driver with no prior claims, no tickets, and excellent credit. When comparing rates based on her current situation, The Hartford may have the cheapest car insurance rates in Mesa at $1,069 a year. This is $359 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are the remaining most affordable Mesa, AZ auto insurance companies.
In this example, we will give the driver from the first set of rates a claim or two, slightly worse credit, and a couple of points charged on her driving record. Since each insurance company has a different formula for determining rates in each state, comparing prices may result in a significantly different list of the cheapest companies as shown below.
Ameriprise Group now has the best insurance rate in Mesa, AZ with GEICO, Allied, Auto-Owners, and CSAA now rounding out the top five. This example shows why consumers need to take the time to compare as many rates as possible to find affordable insurance quotes for a Hyundai Sonata. Car insurance prices are calculated by many factors and can decrease or increase without notice, so the most economical company a year ago may now not even be in the top five.