2022 Hyundai Sonata Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 31, 2024

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Are you irritated from sacrificing to pay your car insurance bill each month? You are in the same boat as millions of other vehicle owners.

Multiple auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the best price available.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Buying car insurance is quite easy. But consumers benefit from understanding how companies determine prices and use this information to your advantage.

Low cost insurance rate quotes online

Shopping for lower insurance rates is a ton of work if you don’t know the best way to get rate quotes. You could waste a few hours discussing policy coverages with agents in your area, or you can utilize the internet to get prices fast.

Many companies are enrolled in a marketplace that enables customers to send in one quote, and each participating company then returns a price quote based on that data. This system prevents you from having to do quote requests to each company.

To compare rates now enter your zip code here.

One minor caveat to using this type of form is that you can’t choose which carriers to receive prices from. So if you want to select individual companies to compare, we have a listing of insurance companies in your area. Click to enter zip code.

You can choose any of those ways to find more affordable coverage, but do your best to enter identical coverage limits on every quote you get. If you are comparing differing limits you will not be able to truly determine the lowest rate. Even a minor difference in insurance coverages or limits may cause a big price difference. Keep in mind that making a lot of price comparisons gives you a better chance of getting better pricing. Some companies don’t provide online price quotes, so it’s recommended that you also compare prices from the smaller companies as well.

Informed drivers can cut insurance costs

Lots of things are part of the equation when premium rates are determined. Some are pretty understandable such as traffic violations, although others are more transparent like where you live or how financially stable you are.

  • Cheaper premiums for being claim-free – Companies award cheaper rates to policyholders who do not file claims often. If you’re an insured who likes to file claims you can pretty much guarantee higher premiums or even policy non-renewal. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Avoid traffic tickets – Even one moving violation may increase your cost by as much as twenty percent. Good drivers have lower premiums compared to drivers with tickets. Drivers with careless citations like hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Do you have enough liability? – A critical coverage on your policy, liability insurance will provide protection if you are responsible for damages from an accident. Liability provides legal defense which can cost a lot. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Do safer cars cost less to insure? – Cars with five star safety ratings tend to be cheaper to insure. Vehicles built for safety reduce the chance of injuries and fewer serious injuries translates into savings for insurance companies and lower rates for you. If your Hyundai is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Having a spouse can lower costs – Being married can get you a discount when buying insurance. Having a significant other may mean you are more responsible and insurance companies like that married couples file fewer claims.
  • Where you call home plays a part – Choosing to live in smaller towns and rural areas of the country can be a good thing when it comes to insurance. Drivers in populated areas have more auto accidents and more severe claims. Fewer drivers and short commutes means reduced accidents and also fewer theft and vandalism claims.
  • Where do you drive? – The higher the mileage driven in a year’s time the higher your rates will be. Most companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos that have low annual miles receive lower rates than vehicles that are driven to work every day. Double check that your insurance policy properly reflects annual mileage, because it can save money. Improper usage on your Sonata may be costing you.
  • Decrease prices by maintaining coverage – Driving with no insurance is illegal and you may have a hard time finding new coverage because you let your coverage lapse. And not only will insurance be more expensive, not being able to provide proof of insurance can result in a fine, jail time, or a revoked license.

Insurance policy discounts

Some companies don’t list their entire list of discounts in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using when you buy auto insurance online.

  • Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not take a car to college could qualify for this discount.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Discounts for Federal Employees – Active or retired federal employment can earn a discount up to 10% for Sonata coverage depending on your insurance provider.
  • Defensive Driver Discount – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle up may be able to save a few bucks off PIP or medical payments premium.
  • No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote in comparison to policyholders that have many claims.
  • Discount for Home Ownership – Owning a house may earn you a small savings because of the fact that having a home shows financial diligence.

Consumers should know that most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

To locate insurance companies that have a full spectrum of discounts, enter your zip code here.

How do I know if I need professional advice?

When buying the right insurance coverage, there is no cookie cutter policy. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

  • Should I rate my 2022 Hyundai Sonata as pleasure use or commute?
  • Will filing a claim cost me more?
  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I find high-risk insurance?
  • What is an SR-22 filing?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does coverage extend to my business vehicle?
  • Is business property covered if stolen from my car?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete your zip code.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average auto insurance policy.

Collision – This pays for damage to your Sonata resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, backing into a parked car, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like EMT expenses, nursing services and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability insurance – Liability insurance protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like repair bills for other people’s vehicles, bail bonds and medical expenses. How much coverage you buy is your choice, but buy as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, vandalism and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Hyundai Sonata.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are set the same as your liability limits.

Knowledge is power

We just covered a lot of ways to get a better price on 2022 Hyundai Sonata insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest premium rates are with an unexpected company. Smaller companies can often provide lower prices in certain areas than the large multi-state companies such as Progressive and GEICO.

The cheapest 2022 Hyundai Sonata insurance is possible both online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not offer the ability to get quotes online and many times these regional insurance providers provide coverage only through local independent agents.

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