Finding affordable car insurance for a Hyundai Sonata in Pennsylvania is pretty simple for most people to do, but it relies on a lot of rating factors such as how many years you have been driving, the likelihood of your vehicle being stolen, and any prior driving offenses you have. Drivers in Pennsylvania pay around $1,256 a year for Sonata insurance, but that figure is an estimate based upon a 30-year-old single male driver with full coverage and $250 deductibles.
Most likely you aren’t exactly 30 years old or even a male, possibly married instead of single, and maybe your Sonata just needs liability-only coverage. This shows why the only real way to find cheap insurance prices for your Hyundai is to compare rates from as many companies as possible. Quotes are free and you will receive rate quotes from the best companies available.
The specific model of Sonata will likely have an effect on the annual cost of coverage, so the price you will be charged to insure a Sonata GLS 4-Dr Sedan will be $116 cheaper than the price to insure the more expensive 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 | $290 | $428 | $488 | $28 | $146 | $1,380 | $115 |
| Sonata GLS 4-Dr Sedan | $290 | $428 | $488 | $28 | $146 | $1,380 | $115 |
| Sonata GLS 4-Dr Sedan | $290 | $428 | $488 | $28 | $146 | $1,380 | $115 |
| Sonata SE 4-Dr Sedan | $290 | $506 | $488 | $28 | $146 | $1,458 | $122 |
| Sonata SE 4-Dr Sedan | $290 | $506 | $488 | $28 | $146 | $1,458 | $122 |
| Sonata Limited 4-Dr Sedan | $328 | $506 | $488 | $28 | $146 | $1,496 | $125 |
| Sonata Limited 4-Dr Sedan | $328 | $506 | $488 | $28 | $146 | $1,496 | $125 |
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium amounts do not factor in specific garaging location which can influence coverage prices substantially.
Picking the top auto insurance provider can be difficult considering how many different companies insure vehicles in Pittsburgh. The company ratings below can help you analyze which insurers you want to consider when buying insurance for a Hyundai Sonata.
These ratings are for companies with a national presence, so companies that focus mainly on Pennsylvania business are not factored into these rankings. To compare price quotes from the most competitive companies in Pennsylvania, follow this link.
Top 10 Large Car Insurance Companies in Pittsburgh Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- State Farm
- GEICO
- Titan Insurance
- Nationwide
- Allstate
- The General
- 21st Century
Impact of citations and accidents on Pittsburgh insurance rates
One of the best ways to maintain good car insurance rates in Pennsylvania for a Sonata is to be a safe driver and avoid traffic citations and accidents. The diagram below highlights how traffic violations and at-fault claims increase insurance costs for each age group. The premiums are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
In the previous chart, the average cost of auto insurance in Pittsburgh per year with no accidents and a clean driving record is $2,238. Get written up for two speeding tickets and the average cost surges to $3,007, an increase of $769 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of car insurance for a Hyundai Sonata increases to an average of $3,786. That’s an increase of $1,548, or $129 per month, just for a couple of infractions!
Comparison of full coverage and liability-only policies
Reducing premiums for car insurance is important to most vehicle owners, and a great way to find cheap insurance for a Hyundai Sonata is to not buy full coverage. The information below shows the comparison of yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied to the premium.
If we average all the age groups together, full coverage costs an additional $2,104 per year more than buying just liability insurance. That touches on the question if buying full coverage is a good investment. There is no exact rule for dropping physical damage coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your vehicle’s claim settlement value is $7,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $6,500 after paying your policy deductible. If you are paying in excess of $650 a year for your policy with full coverage, then you might consider buying liability only.
Why you should be shopping around
Pittsburgh, PA car insurance rates are influenced by many factors that can increase the policy price. Simply improving your credit, buying a different vehicle, or getting a driving violation may generate price changes that may make certain companies cheaper than others.
Not only may your situation change, but insurance companies change premium rates every year or even multiple times each year to adjust for unexpected claims or profits. Higher than normal claims can cause increased rates, while profitable underwriting may produce lower-priced Sonata insurance rates.
For instance, the chart below compares the cheapest car insurance in Pittsburgh, PA for a 30-year-old female driver with no violations or accidents, and excellent credit. When comparing rates based on her current situation, General Casualty might quote the lowest car insurance rates in Pittsburgh at $870 annually. This is $787 less than the average policy premium paid by Pennsylvania drivers of $1,657. Erie, USAA, Travelers, and Penn National are the remaining best Pittsburgh, PA auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison a claim or two, a lower credit rating, and a few traffic violations. Since every insurance provider has a unique formula to determine rates, analyzing rates could result in a different set of affordable companies as shown below.
Amica now has the best auto insurance rate in Pittsburgh, PA with Atlantic States, Erie, USAA, and Donegal Mutual also having competitive pricing. This example shows why it is crucial to perform a complete rate comparison to find affordable auto insurance quotes for a Hyundai Sonata.
Rates are influenced by many things and change dramatically, so the best option three years ago may now not even be in the top five.
How to find budget-friendly auto insurance for a Hyundai Sonata
It’s not impossible to find cheaper rates, and here are a few penny-pinching suggestions that can help drivers locate cheap auto insurance.
- Good credit can save money
- Staying accident-free helps keep rates low
- Raise your deductibles
- Buy a safer vehicle
- Be a safe driver
- Comparison shop at least every other year
The last tip is very significant, as we hit on in this article. Car insurance rates fluctuate constantly, so you should be ready to buy from a new company if a cheaper rate is available.
Many drivers have brand loyalty and that’s fine, but is isn’t recommended if that devotion results in you overpaying a lot of money every month. It only takes a couple minutes to shop around to find cheaper auto insurance for a Hyundai Sonata in Pittsburgh.
The agents listed below are willing to answer your questions and help you decide which car insurance policy is best, since many people would rather have professional advice when shopping for the best coverage for a Hyundai Sonata. It can be hard to find the best coverage on your own, so using a licensed agent can provide you peace of mind knowing you have adequate coverage when you need it most.
To find an auto insurance agency closest to you, click the button at the bottom of the list.
- Riley Insurance
2544 Library Rd # 205 – Pittsburgh, PA 15234 – (412) 563-2390 - Danielle Howard – State Farm Insurance Agent
1500 Ardmore Blvd Ste 403 – Pittsburgh, PA 15221 – (412) 351-3305 - McElhinny Insurance Agency LLC
5624 Brownsville Rd – Pittsburgh, PA 15236 – (412) 650-5700 - Darlene Shelton-Lamot – State Farm Insurance Agent
911 Western Ave – Pittsburgh, PA 15233 – (412) 322-1064 - Casper Insurance Agency, Inc.
611 Mt Royal Blvd – Pittsburgh, PA 15223 – (412) 486-9200