Do you need a fast way to compare lower-priced Hyundai Sonata insurance in Houston? No sane person likes buying auto insurance, especially when they are aware that the cost is too high.
Sadly, the vast majority of drivers have bought auto insurance from the same company for four years or more, and nearly the majority have never even compared quotes to find affordable rates. American drivers could save an average of almost $860 each year by just shopping around, but they don’t invest the time required to shop around. Big companies like GEICO and Progressive constantly blast consumers with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and find the best price available.
Best Hyundai Sonata insurance rates in Texas
The companies shown below provide price quotes in Houston, TX. If multiple companies are listed, we recommend you compare several of them to get the most affordable price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $282 | $580 | $452 | $26 | $136 | $1,476 | $123 |
| Sonata GLS 4-Dr Sedan | $174 | $352 | $560 | $34 | $168 | $1,288 | $107 |
| Sonata GLS 4-Dr Sedan | $156 | $306 | $486 | $28 | $146 | $1,122 | $94 |
| Sonata SE 4-Dr Sedan | $232 | $462 | $440 | $26 | $132 | $1,292 | $108 |
| Sonata SE 4-Dr Sedan | $178 | $422 | $520 | $30 | $156 | $1,306 | $109 |
| Sonata Limited 4-Dr Sedan | $158 | $306 | $404 | $24 | $122 | $1,014 | $85 |
| Sonata Limited 4-Dr Sedan | $368 | $720 | $582 | $34 | $174 | $1,878 | $157 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase price quotes substantially.
Should you raise deductibles?
The information below illustrates how your deductible choice and can influence Hyundai Sonata insurance premiums for different age groups of insureds. The rates are based on a single female driver, comp and collision included, and no discounts are factored in.
An analysis of deductible level
The hardest decision when buying coverage is how high should the deductibles for physical damage be. The comparisons below summarize the differences in price when you select higher and lower deductibles. The first set of prices uses a $250 physical damage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $294 | $496 | $430 | $26 | $128 | $1,399 | $117 |
| Sonata GLS 4-Dr Sedan | $294 | $496 | $430 | $26 | $128 | $1,399 | $117 |
| Sonata GLS 4-Dr Sedan | $294 | $496 | $430 | $26 | $128 | $1,399 | $117 |
| Sonata SE 4-Dr Sedan | $294 | $584 | $430 | $26 | $128 | $1,487 | $124 |
| Sonata SE 4-Dr Sedan | $294 | $584 | $430 | $26 | $128 | $1,487 | $124 |
| Sonata Limited 4-Dr Sedan | $332 | $584 | $430 | $26 | $128 | $1,525 | $127 |
| Sonata Limited 4-Dr Sedan | $332 | $584 | $430 | $26 | $128 | $1,525 | $127 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Information does not factor in specific zip code location which can impact rates considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $16 more each month or $192 each year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 16 months between claim filings, you would come out ahead if you choose the higher deductible.
These discounts can reduce Hyundai Sonata insurance rates
Car insurance is not cheap, but there could be significant discounts to cut the cost considerably. Many of these discounts will be applied automatically when you get a quote, but a few must be asked about before they will apply. If you do not check that you are getting every discount you deserve, you are throwing money away.
- Employee of Federal Government – Employees or retirees of the government could qualify for a slight premium decrease with select insurance companies.
- Active Service Discounts – Being deployed in the military can result in better premium rates.
- No Claims – Good drivers with no accidents pay much less when compared with drivers who are more careless.
- Houston Homeowners Pay Less – Just being a homeowner can earn you a little savings because it means you have a higher level of financial diligence.
- Theft Deterrent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
Drivers should understand that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.
Some of the insurance companies that may offer policyholders these benefits possibly include:
Check with each company or agent which discounts can lower your rates. Some discounts listed above might not be offered everywhere.
Compare rates but buy from a local neighborhood Houston car insurance agent
Some consumers would rather visit with an insurance agent and that is recommended in a lot of cases Good agents can help determine the best coverages and help in the event of a claim. One of the great benefits of comparing rates online is you may find cheap rate quotes and still have an agent to talk to. Supporting neighborhood agents is important especially in Houston.
To find an agent, once you fill out this simple form, the quote information is submitted to participating agents in Houston who will give you quotes and help you find cheaper coverage. You won’t even need to visit any agencies as quotes are delivered directly to your email. If you have a need to compare prices from a specific company, you would need to find their quoting web page and submit a quote form there.
If you want to use a reliable insurance agent, you should know the different types of agencies that you can select. Auto insurance agencies are categorized either independent (non-exclusive) or exclusive. Either one can write policy coverage, but it’s worth learning how they are different since it can impact which agent you choose.
Independent Auto Insurance Agencies
Independent agents often have affiliation with several companies so they can write business through lots of different companies and find you cheaper rates. If your agent finds better pricing, your policy is moved internally and you don’t have to do anything.
If you are comparing rate quotes, it’s recommended you include independent agents to have the best price comparison.
Featured below is a list of independent insurance agencies in Houston that can give you cheap rate quotes.
Craig Insurance Agency
1020 Bay Area Blvd # 100 – Houston, TX 77058 – (281) 488-2733 – View Map
Hotchkiss Insurance Agency
13430 Northwest Fwy #600 – Houston, TX 77040 – (713) 956-9800 – View Map
ProTECH Insurance Agency, Inc.
#100, 3120 SW Freeway Service Rd – Houston, TX 77098 – (713) 520-1090 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can only write with one company like AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot compare other company’s rates so you might not find the best rates. Exclusive agents are well schooled on their company’s products which aids in selling service over price.
Listed below are Houston exclusive agencies that are able to give price quotes.
Jim Webb – State Farm Insurance Agent
8475 Hwy 6 N Ste B – Houston, TX 77095 – (281) 550-2886 – View Map
Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800 – View Map
Linda Tuck – State Farm Insurance Agent
2402 Bay Area Blvd g – Houston, TX 77058 – (281) 488-9050 – View Map
Picking an car insurance agent should depend on more than just a low price. These are some questions you should get answers to.
- Are they able to influence company decisions when a claim is filed?
- Can you get a list of referrals?
- How many companies do they write for?
- Are they actively involved in the community?
- Does the company allow you to choose your own collision repair facility?
- Is the agency covered by Errors and Omissions coverage?
- Does the company use OEM repair parts?
Persistence will pay off
Lower-priced Hyundai Sonata insurance in Houston is available online as well as from independent agents in Houston, so you need to shop Houston auto insurance with both to get a complete price analysis. Some insurance companies may not provide the ability to get quotes online and most of the time these smaller companies provide coverage only through independent agencies.
You just learned a lot of tips how to get a better price on Hyundai Sonata insurance in Houston. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even discover the most savings is with a small mutual company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.
For more information, link through to the following helpful articles:
- Older Driver Statistics (Insurance Information Institute)
- Who Has Affordable Auto Insurance Rates for Drivers Under 25 in Houston? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a School Permit in Houston? (FAQ)
- Who Has the Cheapest Auto Insurance for a Kia Optima in Houston? (FAQ)
- Who Has Cheap Houston Car Insurance Quotes for a Chevrolet Traverse? (FAQ)
- What Insurance is Cheapest for Seniors in Houston? (FAQ)
- Who Has Affordable Car Insurance for 18 Year Olds in Houston? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Distracted Driving Extends Beyond Texting (State Farm)
- Neck Injury FAQ (iihs.org)
- How to Avoid Staged Accidents (State Farm)