Who Has Affordable Car Insurance Quotes for a Hyundai Sonata in San Jose?

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Buying the cheapest car insurance for a Hyundai Sonata in California is pretty easy for most people to do, but it hinges on a lot of rating factors such as how long your commute is, your residence address, and any prior driving citations you have received. California drivers pay around $1,659 per year for Sonata insurance, but that cost is a valuation based upon a 40-year-old single male driver with full coverage and $250 deductibles.

The issue that arises when projecting rates is that it's very likely that you may not be 40 years old (or even male), maybe you are married instead of single, or maybe you don't qualify for the same discounts. Even a slight change in rating criteria can make a large difference in the amount insurance costs for a Hyundai Sonata.

Car insurance coverage is unique to each driver, so this is why the best method for finding cheap insurance prices for your Hyundai is to compare as many rates as possible.

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The specific trim level will likely have an effect on price, so the cost to insure a Sonata GLS 4-Dr Sedan trim level will be $162 less than the price to insure the more well-appointed Sonata Limited 4-Dr Sedan version, as demonstrated by the prices below.

Hyundai Sonata Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $334 $662 $604 $36 $180 $1,816 $151
Sonata GLS 4-Dr Sedan $334 $662 $604 $36 $180 $1,816 $151
Sonata GLS 4-Dr Sedan $334 $662 $604 $36 $180 $1,816 $151
Sonata SE 4-Dr Sedan $334 $780 $604 $36 $180 $1,934 $161
Sonata SE 4-Dr Sedan $334 $780 $604 $36 $180 $1,934 $161
Sonata Limited 4-Dr Sedan $378 $780 $604 $36 $180 $1,978 $165
Sonata Limited 4-Dr Sedan $378 $780 $604 $36 $180 $1,978 $165
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in specific garaging location which can revise coverage prices greatly.

Deciding which company quotes the cheapest insurance rates for a Hyundai Sonata will involve a bit more effort than just quoting one company's rates.

Each auto insurance company has their own unique process for determining prices, so let's look at the rankings for the insurance companies with the overall best prices in San Jose.

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Cheapest insurance companies in California
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,192
3 CSAA $1,198
4 Century National $1,214
5 Nationwide $1,226
6 21st Century $1,379
7 Grange $1,477
8 Progressive $1,496
9 Mercury $1,503
10 Allied $1,541
11 GEICO $1,559
12 Allstate $1,559
13 MetLife $1,590
14 The Hartford $1,639
15 Unitrin $1,682
16 State Farm $1,733
17 Esurance $1,756
18 Bristol West $1,795
19 Travelers $1,860
20 Farmers $1,966
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USAA quotes some of the most affordable car insurance rates in San Jose at around $1,109 per year. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the best San Jose, CA auto insurance companies.

In this example, if you currently have a policy with CSAA and switched to USAA, you might achieve annual savings of roughly $89. Insureds with Century National could save as much as $105 a year, and Nationwide policyholders might cut rates by $117 a year.

It's important to note that these estimates are averaged across all drivers and vehicles and are not factoring in a specific location for a Hyundai Sonata. So the car insurance company that fits your situation best may not even be in the top 24 companies in the list above. That emphasizes why you need to compare prices as often as possible using your own driver and vehicle profiles.

The illustration below illustrates how choosing a deductible can influence insurance prices when researching cheap insurance for a Hyundai Sonata. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $490 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $736 by using a $1,000 deductible. Young drivers, such as the Age 20 example, could shave up to $1,246 or even more by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it will be important to have enough in a savings account to offset the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Why you should be shopping around

San Jose insurance rates are impacted by many things that may substantially change the cost of having a policy. Simply turning a year older, buying a different vehicle, or getting caught speeding may cause policy rate changes that can make some companies more affordable than the competition.

And not only may your rating factors change, but car insurance companies amend premium rates as often as every quarter to reflect underwriting profits or losses. A period of higher than normal claims can cause rate increases, while a profitable period may result in more affordable Sonata insurance rates.

As an example, the data below shows the companies that have the cheapest car insurance in San Jose, CA for a 35-year-old female driver with a clear driving record, no claims, and a decent credit rating. When quoting prices based on her current situation, USAA has the cheapest car insurance rates in San Jose at $1,169 a year. This is $482 less than the average policy premium paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide also make the list of the best San Jose, CA auto insurance companies.

The chart below compares rates after we give the driver from the first set of rates a couple of claims, slightly worse credit, and a blemish on her driving record. Because each insurer uses a different method to set their prices, getting updated rate quotes could result in a different list of affordable companies as shown below.

Grange now has the best insurance rate in San Jose with Mercury, Progressive, Allstate, and GEICO also being competitive. This demonstrates why San Jose drivers need to compare as many rates as possible to get affordable insurance quotes for a Hyundai Sonata. Insurance rates are impacted by many different factors and can increase or decrease at any time, so the best option the last time you compared rates may now be quite expensive.

If you aren't sure which coverage to buy and prefer to get some guidance when trying to find the best insurance rates for a Sonata, the professional agents shown below can probably help you determine which policy fits your needs best. To locate a San Jose auto insurance agent closest to you, click the link at the bottom.

Donald Browne Insurance Services
330 W Hedding St #207 - San Jose, CA 95110 - (408) 292-4329

Doug Kim - State Farm Insurance Agent
1361 S Winchester Blvd #107 - San Jose, CA 95128 - (408) 370-2008

LNA Insurance Agency Inc
999 Story Rd - San Jose, CA 95122 - (408) 280-5815

Beatriz Quezada - State Farm Insurance Agent
441 N 1st St - San Jose, CA 95112 - (408) 295-7000

Allstate Insurance: David Tofig
6116 Camino Verde Dr Ste 9 - San Jose, CA 95119 - (408) 281-9190

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