Auto Insurance Quotes for a Hyundai Sonata in Jersey City

We don’t have to tell you that insurance companies don’t want you to compare rates. People who shop for lower rates are highly likely to switch to a new company because there are good odds of finding a lower-priced policy. A recent survey found that consumers who compared prices once a year saved about $70 a month compared to people who never compared prices.

If finding the cheapest price for Hyundai Sonata insurance in Jersey City is your objective, then understanding how to find and compare cheaper coverage can make it simple to find affordable coverage.

Insurance for Hyundai SonataIf you want to find the absolute lowest rates, then the best way to get affordable Hyundai Sonata insurance in Jersey City is to regularly compare prices from insurance carriers in New Jersey.

The key aspect of shopping around is that you use identical limits and deductibles on each quote and and to compare as many carriers as you can. Doing this guarantees a level playing field and a better comparison of the market.

All the larger auto insurance companies make it easy to get price estimates online. This process is fairly straightforward because you just enter your personal and coverage information as detailed in the form. After you submit the form their quoting system gets credit information and your driving record and generates pricing information based on the data you entered.

The ability to get online price quotes for Hyundai Sonata insurance in Jersey City makes it a lot easier to compare rates and it is imperative to compare as many rates as possible if you are searching for the lowest auto insurance rates.

To find out how much you can save on auto insurance, compare rates from the companies below. If you have your current policy handy, we recommend you input the coverages identical to your current policy. This guarantees you will have rate comparison quotes using the same coverage and limits.

The companies shown below are our best choices to provide free rate quotes in Jersey City, NJ. If you want to find the best car insurance in Jersey City, it’s a good idea that you compare several of them to get a more complete price comparison.

Determine discounts on Jersey City auto insurance

Companies don’t necessarily list all discounts in a way that’s easy to find, so below is a list both the well known and also the more inconspicuous savings tricks you should be using when you buy Jersey City car insurance online. If you do not check that you are getting every discount available, you are not getting the best rate possible.Save money with discounts

Policy discounts save money, but many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, it’s just not the way it works.

The chart below illustrates the difference between Hyundai Sonata premium costs with and without some available policy discounts. The rates are based on a male driver, no tickets, no at-fault accidents, New Jersey state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, multi-car, homeowner, and claim-free discounts applied.

A partial list of companies who may offer these discounts include:

Double check with all the companies which discounts you qualify for. Depending on the company, some discounts may not apply to policyholders in Jersey City. If you would like to see a list of insurers who offer online Hyundai Sonata insurance quotes in Jersey City, click here.

Hyundai Sonata insurance statistics and information

The table below outlines different coverage costs for Hyundai Sonata models. Learning how rate quotes are calculated helps drivers make smart choices when buying a policy.


Hyundai Sonata Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $236 $430 $522 $30 $156 $1,374 $115
Sonata GLS 4-Dr Sedan $236 $430 $522 $30 $156 $1,374 $115
Sonata GLS 4-Dr Sedan $236 $430 $522 $30 $156 $1,374 $115
Sonata SE 4-Dr Sedan $236 $506 $522 $30 $156 $1,450 $121
Sonata SE 4-Dr Sedan $236 $506 $522 $30 $156 $1,450 $121
Sonata Limited 4-Dr Sedan $266 $506 $522 $30 $156 $1,480 $123
Sonata Limited 4-Dr Sedan $266 $506 $522 $30 $156 $1,480 $123
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in zip code location which can modify prices significantly.

Auto insurance deductibles

One of the most common auto insurance questions is how high should your deductibles be. The following insurance rates can help show how much more rates are when you buy lower versus higher deductibles. The first data set uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.


Hyundai Sonata insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $414 $746 $544 $32 $162 $1,923 $160
Sonata GLS 4-Dr Sedan $414 $746 $544 $32 $162 $1,923 $160
Sonata GLS 4-Dr Sedan $414 $746 $544 $32 $162 $1,923 $160
Sonata SE 4-Dr Sedan $414 $880 $544 $32 $162 $2,057 $171
Sonata SE 4-Dr Sedan $414 $880 $544 $32 $162 $2,057 $171
Sonata Limited 4-Dr Sedan $466 $880 $544 $32 $162 $2,109 $176
Sonata Limited 4-Dr Sedan $466 $880 $544 $32 $162 $2,109 $176
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Hyundai Sonata insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $230 $394 $544 $32 $162 $1,362 $114
Sonata GLS 4-Dr Sedan $230 $394 $544 $32 $162 $1,362 $114
Sonata GLS 4-Dr Sedan $230 $394 $544 $32 $162 $1,362 $114
Sonata SE 4-Dr Sedan $230 $464 $544 $32 $162 $1,432 $119
Sonata SE 4-Dr Sedan $230 $464 $544 $32 $162 $1,432 $119
Sonata Limited 4-Dr Sedan $258 $464 $544 $32 $162 $1,460 $122
Sonata Limited 4-Dr Sedan $258 $464 $544 $32 $162 $1,460 $122
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage rates significantly.

Based on the figures above, using a $100 deductible will cost you about $50 more each month or $600 a year across all Hyundai Sonata models than quoting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 18 months between claims, you would save more money by selecting a higher deductible.

Price comparison of only insuring for liability

The illustration below compares Hyundai Sonata insurance rates with full physical damage coverage and with liability coverage only. The premiums assume no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied.

Should you pay for full coverage or liability only?

There is no clear-cut rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Hyundai Sonata book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after paying your deductible. If you are currently paying more than $500 a year for your policy with full coverage, then it could be time to drop full coverage.

There are a few cases where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

New Jersey auto insurance companies ranked

Ending up with the right insurance company is hard considering how many different companies insure vehicles in New Jersey. The ranking information below could help you choose which companies you want to consider purchasing coverage from.

Top 10 Jersey City Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. GEICO
  6. USAA
  7. State Farm
  8. Travelers
  9. Farmers Insurance
  10. Allstate

Top 10 Jersey City Car Insurance Companies Ranked by Customer Satisfaction

  1. The Hartford – 93%
  2. Progressive – 90%
  3. 21st Century – 89%
  4. USAA – 87%
  5. Mercury Insurance – 87%
  6. State Farm – 87%
  7. Travelers – 87%
  8. Safeco Insurance – 86%
  9. AAA Insurance – 86%
  10. American Family – 85%

Why You Might Pay Higher Rates in Jersey City

A large part of saving on car insurance is knowing some of the things that play a part in calculating the rates you pay for car insurance. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with better car insurance rates. Many factors are taken into consideration when pricing auto insurance. Most are fairly basic like a motor vehicle report, although some other factors are more obscure like your continuous coverage and annual miles driven.