Who Has Affordable Auto Insurance Rates for a Hyundai Sonata in Dallas?

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Buying the cheapest auto insurance for a Hyundai Sonata is dependent upon a large number of factors such as your gender, if you have prior claims, and any prior driving offenses. Texas drivers pay on average $1,115 a year for Sonata insurance, but that figure is a valuation using a 30-year-old married male driver with full physical damage coverage and $500 deductibles.

When projecting a rate like this, the problem is that you're not a 30-year-old male, single instead of married, or maybe your Sonata doesn't need full coverage. Having the smallest difference in the criteria used to calculate rates may result in a big change in the policy rate.

Insurance is an individual thing, so the best way to find cheap auto insurance rates for your Hyundai is to compare as many rates as you can. It's really quite easy you can get prices from the best companies available.

Find Cheaper Hyundai Sonata Insurance

The specific trim level impacts the annual cost of coverage, so the cost to insure a Sonata GLS 4-Dr Sedan will be $102 less than the price to insure the higher-end Sonata Limited 4-Dr Sedan model, as demonstrated by the prices below.

Hyundai Sonata Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $240 $400 $430 $26 $128 $1,224 $102
Sonata GLS 4-Dr Sedan $240 $400 $430 $26 $128 $1,224 $102
Sonata GLS 4-Dr Sedan $240 $400 $430 $26 $128 $1,224 $102
Sonata SE 4-Dr Sedan $240 $472 $430 $26 $128 $1,296 $108
Sonata SE 4-Dr Sedan $240 $472 $430 $26 $128 $1,296 $108
Sonata Limited 4-Dr Sedan $270 $472 $430 $26 $128 $1,326 $111
Sonata Limited 4-Dr Sedan $270 $472 $430 $26 $128 $1,326 $111
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in your specific Dallas location which can change price quotes considerably.

Finding reasonably-priced auto insurance is not easy, and finding out which company quotes the best car insurance rates for a Hyundai Sonata takes additional perseverance.

Every insurance company has their own process for filing rates in each state, so let's take a look at the most competitive car insurance companies in Dallas, TX.

Find the Best Cheap Insurance for Your Sonata

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Cheapest insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,084
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,282
5 California Casualty $1,382
6 Esurance $1,407
7 State Farm $1,465
8 Mercury $1,506
9 Safe Auto $1,549
10 Nationwide $1,553
11 Allstate $1,650
12 Progressive $1,698
13 Amica $1,723
14 GEICO $2,093
15 Home State $2,155
16 MetLife $2,161
17 Unitrin $2,241
18 Encompass $2,255
19 21st Century $2,494
20 Titan $2,594
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Travelers may offer some of the best car insurance rates in Dallas at around $1,021 per year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the cheapest Dallas, TX car insurance companies.

In the rate table above, if you buy coverage from USAA and switched to Travelers, you might see annual savings of roughly $63. Drivers with Texas Farm Bureau could save as much as $226 a year, and Germania Mutual policyholders might see rate reductions of $261 a year.

If you want to find out if you're overpaying, click here to get a free quote or visit any of the companies below.

Remember that these premium estimates are averaged across all drivers and vehicles and are not factoring in a specific vehicle garaging location for a Hyundai Sonata. So the car insurance company that is most affordable for your situation may not even be in the top 23 companies shown above. That point stresses why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

How much more does full coverage cost?

Finding the cheapest car insurance is important to the majority of vehicle owners, and an easy way to find cheaper insurance for a Hyundai Sonata is to only buy liability insurance. The information below compares insurance costs with full coverage and liability only. The premium estimates are based on no violations or accidents, $1,000 deductibles, single status, and no additional discounts are factored in.

Averaged for all ages 20 through 70, full coverage costs an extra $2,159 per year more than just buying liability only. That brings up the question if physical damage coverage is worth the money. There is no definitive formula to exclude comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let's pretend your vehicle's replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after the policy deductible has been paid. If you are paying more than $600 a year for full coverage, then you might want to think about dropping full coverage.

There are some situations where dropping physical damage coverage is not in your best interest. If you haven't paid off your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Get discount Dallas insurance

Discounts on car insurance for a Hyundai SonataInsurance providers that sell policies for a Hyundai Sonata may also give you special discounts that could potentially reduce rates by as much as 35% or more if you can meet the requirements. A list of companies and some of their more popular discounts are detailed below.

The diagram below illustrates the comparison of annual premium costs with and without discounts applied. The premiums are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with claim-free, anti-theft, multiple vehicle, multiple policy, passive restraint, and accident-free discounts applied. When taking advantage of discounts, the average amount saved on car insurance for a Hyundai Sonata is 28% or $602.

Here's why you should compare rates often

Dallas car insurance rates are impacted by many factors that control the cost of having a policy. Simply turning a year older, having a teen driver, or getting a speeding ticket can trigger rate changes that can now make some companies affordable when they were higher priced. Not only may your situation change, but car insurance companies change premium rates without warning in order to offset underwriting gains or losses. An unexpected high level of claims can cause more expensive premiums, while lower claims can result in cheaper Sonata insurance rates.

The chart below compares the cheapest car insurance in Dallas, TX for a 35-year-old male driver with a clean driving record, no accidents, and a high credit rating. When quoting prices based on his current risk profile, Travelers might offer the most affordable car insurance rates in Dallas at $1,311 each year. This is $593 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the most affordable Dallas, TX auto insurance companies.

The example below compares rates after we give the driver in the first chart a chargeable claim, a lower credit rating, and a traffic ticket or two. Due to the fact that each insurance company uses a different method for setting prices, comparing quotes may now show a slightly different list of affordable companies as shown below.

State Farm now has the cheapest auto insurance in Dallas with Mercury, Nationwide, USAA, and Safe Auto completing the list. This example shows why Dallas drivers need to compare rates to get cheap car insurance rates for a Hyundai Sonata.

Insurance prices are influenced by many risk factors and can change substantially, so the most economical option when you bought your policy may now be costing you a lot of money.

How to find low-cost insurance for a Hyundai Sonata

The list below details some of the better penny-pinching suggestions that can help Texas drivers get cheaper coverage.

The last tip in the list is incredibly crucial, as was emphasized in the prior information. Prices charged by auto insurers can be changed at any time, so drivers shouldn't be reluctant to switch carriers if a better rate can be found.

Having a favorite company is fine, but it's not recommended if that inflexibility results in costing you a considerable chunk of change every month. If you have a few minutes, now is a great time to shop around and find cheaper auto insurance for a Hyundai Sonata in Dallas.

The agents listed below are willing to help you determine which coverages and limits you need, as some drivers have questions and prefer to have some advice when buying car insurance for a Hyundai Sonata. It can be hard to find the cheapest auto insurance company, and insurance agents licensed in the state of Texas can give you peace of mind knowing your policy gives you sufficient coverage at claim time.

To locate a Dallas car insurance agency close to you, click the button at the bottom.

Bill Remley - State Farm Insurance Agent
4230 Lyndon B Johnson Fwy #105 - Dallas, TX 75244 - (972) 488-3822

Eves Insurance Agency
1318 Pioneer Dr - Dallas, TX 75224 - (214) 941-1300

Nationwide Insurance: Comparable Insurance Agency Inc
9750 Walnut St Ste 106 - Dallas, TX 75243 - (214) 575-2750

View map of Dallas, TX insurance agents