What Car Insurance is Cheapest for a Hyundai Sonata in Jersey City?

Buying the cheapest car insurance for a Hyundai Sonata in New Jersey hinges on an enormous amount of factors such as the age of the Sonata, if you have recent claims, and if you have a history of accidents. New Jersey drivers will pay around $1,758 each year for Sonata insurance, but that is an estimate based on a 50-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.

When making auto insurance estimates, the issue arises that you may not be 50 years old (or even female), married instead of single, and you may just want the cheapest liability coverage you can find. This example demonstrates why the only real way to find affordable rates for your Hyundai is to compare as many rates as possible.

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The trim level of your vehicle impacts the coverage cost, so the cost to insure a Sonata GLS 4-Dr Sedan trim level will be $176 lower than the price to insure the more well-appointed Sonata Limited 4-Dr Sedan trim level, as shown below.

Hyundai Sonata Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $356 $732 $614 $36 $184 $1,922 $160
Sonata GLS 4-Dr Sedan $356 $732 $614 $36 $184 $1,922 $160
Sonata GLS 4-Dr Sedan $356 $732 $614 $36 $184 $1,922 $160
Sonata SE 4-Dr Sedan $356 $862 $614 $36 $184 $2,052 $171
Sonata SE 4-Dr Sedan $356 $862 $614 $36 $184 $2,052 $171
Sonata Limited 4-Dr Sedan $402 $862 $614 $36 $184 $2,098 $175
Sonata Limited 4-Dr Sedan $402 $862 $614 $36 $184 $2,098 $175
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can alter coverage rates noticeably.

Deciding which companies offer the cheapest insurance rates for a Hyundai Sonata takes a bit more effort in order to find the lowest price.

Each insurer uses their own method to determine premium rates, so to begin we’ll rank the insurance companies with the overall best prices in New Jersey.

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Cheapest auto insurance in New Jersey ranked by cost per year
Rank Company Cost Per Year
1 21st Century $1,067
2 Travelers $1,180
3 New Jersey Manufacturers $1,271
4 Penn National $1,366
5 Palisades $1,382
6 California Casualty $1,437
7 The Hartford $1,491
8 Allstate $1,538
9 USAA $1,600
10 Mercury $1,651
11 Esurance $1,838
12 Amica $1,887
13 Progressive $1,919
14 MetLife $1,932
15 GEICO $2,196
16 State Farm $2,226
17 Encompass $2,303
18 Liberty Mutual $3,008
19 Hanover $3,869
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21st Century generally has some of the most affordable car insurance rates in Jersey City at around $1,067 each year. Travelers, New Jersey Manufacturers, Penn National, and Palisades would also be considered some of the cheapest Jersey City, NJ insurance companies.

As shown in the rates above, if you are a customer of Palisades and switched to Travelers, you could see an annual premium reduction of in the vicinity of $202. New Jersey drivers with California Casualty could save as much as $257 a year, and The Hartford insureds might see rate reductions of $311 a year.

Understand that those prices are averages across all drivers and vehicles in New Jersey and and are not figured with an exact location for a Hyundai Sonata. So the car insurance company that fits your age and vehicle best may not even be in the list above. That point stresses why you need to get quotes using your own personalized driver profile and vehicle information.

How much more does full coverage cost?

Saving money when shopping for insurance is probably important to most people, and one common way to find cheaper insurance for a Hyundai Sonata is to not buy full coverage. The chart below compares yearly insurance costs with full physical damage coverage and with liability coverage only. The rates are based on no claims or driving violations, $250 deductibles, marital status is single, and no policy discounts are applied.

On average, physical damage coverage costs $3,421 per year more than just buying liability insurance. That may make you wonder if buying full coverage is a good investment. There isn’t a written rule of when to phase out full coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

There are a few cases where only buying liability is not advised. If you haven’t satisfied your loan, you have to carry full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Discount Jersey City insurance

Insurance for a Sonata in Jersey City, NJAuto insurance companies that provide policies for a Hyundai Sonata may also provide price discounts that may potentially lower prices by 40% or more if you meet the requirements. Companies and some of the discounts are:

The diagram below compares insurance costs with and without discounts applied to the rates. The price estimates are based on a female driver, no claims or violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, homeowner, defensive driving course, vehicle safety, claim-free, and marriage discounts applied. With discounts applied, the average amount saved each year on insurance for a Hyundai Sonata is 28% or $905.

If you aren’t clear which coverage you need and would like to have a professional recommendation when buying car insurance for a Sonata, the professional agents shown below can most likely help you decide which policy is best.

To find a Jersey City insurance agent close to you, click the button after the list.

Allstate Insurance: Emad Soliman
844 Bergen AveJersey City, NJ 07306(201) 332-6999

GIM Agency Services Inc
263 Central AveJersey City, NJ 07307(201) 792-4188

AllState Agent
07305, 701 NJ-440Jersey City, NJ 07304(201) 515-3499

View map of Jersey City, NJ insurance agents

How to find economical car insurance for a Hyundai Sonata

Here are some of the better thrifty ideas that can help New Jersey drivers get more affordable auto insurance.

That last tip is very significant, as was emphasized in the article above. Prices charged by auto insurers adjust frequently, so don’t be tentative to switch companies if you can find a cheaper rate. Brand loyalty is not necessarily bad, but it’s not a good idea if that loyalty results in overpaying a lot of money every month. It takes less than five minutes to compare rates and find cheaper car insurance for a Hyundai Sonata in Jersey City.