Buying cheaper auto insurance for a Hyundai Sonata in California is dependent upon a lot of rating criteria such as whether you are a homeower, your occupation, and your choice of deductibles. Drivers pay on average $1,478 each year for Sonata insurance, but that cost is an approximation calculated using a 40-year-old single male driver with full coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you’re not a 40-year-old male, possibly married instead of single, or maybe you just want liability only. Everone’s needs are different, and this illustrates why the only real way to find the cheapest rates for your Hyundai is to just take the time to compare rates yourself.
View Hyundai Sonata Insurance Rates
The trim level of your Sonata will influence the yearly cost, so the price you pay to insure a Sonata GLS 4-Dr Sedan will be $128 lower than the cost to insure the higher-priced Sonata Limited 4-Dr Sedan version, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $272 | $534 | $604 | $36 | $180 | $1,626 | $136 |
| Sonata GLS 4-Dr Sedan | $272 | $534 | $604 | $36 | $180 | $1,626 | $136 |
| Sonata GLS 4-Dr Sedan | $272 | $534 | $604 | $36 | $180 | $1,626 | $136 |
| Sonata SE 4-Dr Sedan | $272 | $628 | $604 | $36 | $180 | $1,720 | $143 |
| Sonata SE 4-Dr Sedan | $272 | $628 | $604 | $36 | $180 | $1,720 | $143 |
| Sonata Limited 4-Dr Sedan | $306 | $628 | $604 | $36 | $180 | $1,754 | $146 |
| Sonata Limited 4-Dr Sedan | $306 | $628 | $604 | $36 | $180 | $1,754 | $146 |
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in specific location information which can affect prices significantly.
Ending up with the highest-rated insurance company can be challenging considering how many companies there are to choose from in Bakersfield. The company information shown below may help you decide which car insurance providers to look at to insure your vehicles. The rankings below only include the largest companies in the United States, so smaller companies that only insure vehicles in California are not taken into consideration for this list.
Top 10 Major Auto Insurance Companies Overall in Bakersfield
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Major Auto Insurance Companies in Bakersfield Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Full coverage versus liability-only
Reducing premiums for car insurance is important to most drivers, and a great way to buy cheap insurance for a Hyundai Sonata is to not insure for full coverage. The information below shows the comparison of insurance costs with full coverage compared to only the California minimum liability coverage. The prices are based on no claims or violations, $500 deductibles, single status, and no other discounts are factored in.
As an average, physical damage insurance costs $2,618 per year more than just buying liability only. That brings up the question if it’s worth it to buy full coverage. There is no written rule for dropping physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your vehicle’s replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after you pay the deductible. If you are paying in excess of $400 a year for physical damage coverage, then it could be time to drop full coverage.
The importance of shopping around
Bakersfield car insurance rates are impacted by many factors which can substantially change your annual premium. Improving your credit score, buying a home, or getting a reckless driving citation can trigger price changes resulting in some companies being cheaper than competitors.
Not only may your risk profile change, but insurance companies modify rates every year to adjust for unexpected claims or profits. A period of higher than normal claims can cause higher rates, while better underwriting may produce cheaper Sonata insurance rates.
For instance, the graph below shows the company with the cheapest car insurance in Bakersfield, CA for a 45-year-old male driver with a clean driving record, no accidents, and great credit. When quoting prices based on his current rating profile, USAA quotes the best car insurance rates in Bakersfield at $1,198 a year. This is $453 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also on the list of the most affordable Bakersfield, CA auto insurance companies.
The example below compares rates after we give the driver from the first set of rates a claim surcharge, a lower credit rating, and a few traffic violations. Because each insurer has their own process to set premium rates, analyzing rate quotes may now result in a completely different list of affordable Bakersfield car insurance companies as shown below.
Grange now has the lowest price in Bakersfield with Allstate, GEICO, Mercury, and Progressive completing the list. This example proves why it is critical to compare as many rates as possible when trying to find the cheapest insurance rates for a Hyundai Sonata.
Auto insurance prices are calculated by many risk factors and change substantially, so the cheapest company the last time you shopped around may now be an over-priced policy.
How to find low-cost insurance for a Hyundai Sonata
Here are some penny-pinching solutions that can help you locate cheap coverage.
- Try to not file small claims
- Maintain a clean driving record
- Increase your physical damage deductibles
- Do not pay for full coverage on older vehicles
- Avoid having at-fault accidents
- Compare rates often to find the best deal
That last tip is very crucial, as was noted in this article. Car insurance prices can be adjusted at any time, so drivers shouldn’t hesitate to buy a different policy if you find a better deal. Having a favorite company is fine, but it’s not a great idea if that devotion results in you overpaying several hundred dollars every year. In just a few minutes you could compare prices and find cheaper insurance for a Hyundai Sonata in Bakersfield.