Buying affordable coverage for a Hyundai Sonata in Colorado is pretty easy for most people, but it is dependent upon a complicated rating formula that uses factors such as the mileage of your daily commute, the likelihood of vehicle theft, and any driving offenses on your record. Colorado drivers pay approximately $1,457 each year to insure their Sonata, but that amount is based on a 30-year-old single male driver with full coverage and $100 deductibles.
It’s more than likely you are not 30 and maybe not even a male, maybe you are married instead of single, or maybe you need higher liability limits than the state minimum. Auto insurance is unique to each driver, so the way we recommend to find cheap insurance prices for your Hyundai is to compare as many rates as you can.
The specific model of Sonata can impact the annual cost of coverage, so the rate you pay to insure a Sonata GLS 4-Dr Sedan model will be $142 less expensive the price to insure the more expensive Sonata Limited 4-Dr Sedan trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $344 | $546 | $520 | $30 | $156 | $1,596 | $133 |
| Sonata GLS 4-Dr Sedan | $344 | $546 | $520 | $30 | $156 | $1,596 | $133 |
| Sonata GLS 4-Dr Sedan | $344 | $546 | $520 | $30 | $156 | $1,596 | $133 |
| Sonata SE 4-Dr Sedan | $344 | $644 | $520 | $30 | $156 | $1,694 | $141 |
| Sonata SE 4-Dr Sedan | $344 | $644 | $520 | $30 | $156 | $1,694 | $141 |
| Sonata Limited 4-Dr Sedan | $388 | $644 | $520 | $30 | $156 | $1,738 | $145 |
| Sonata Limited 4-Dr Sedan | $388 | $644 | $520 | $30 | $156 | $1,738 | $145 |
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in your specific Aurora location which can modify auto insurance rates substantially.
Finding cheap auto insurance is hard enough, and figuring out which company has the best auto insurance rates for a Hyundai Sonata may require a little more work.
Each auto insurer uses their own method for filing rates in each state, so let’s begin by taking a look at the most budget-friendly auto insurance companies in Colorado.
Lowest Insurance Price Quotes for Your Sonata
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $859 |
| 2 | Grange | $949 |
| 3 | USAA | $1,039 |
| 4 | GEICO | $1,152 |
| 5 | Nationwide | $1,155 |
| 6 | Auto-Owners | $1,168 |
| 7 | Travelers | $1,171 |
| 8 | State Farm | $1,209 |
| 9 | American Family | $1,275 |
| 10 | Progressive | $1,336 |
| 11 | Amica | $1,340 |
| 12 | California Casualty | $1,458 |
| 13 | Allied | $1,483 |
| 14 | Farmers | $1,613 |
| 15 | Colorado Farm Bureau | $1,640 |
| 16 | MetLife | $1,811 |
| 17 | Allstate | $2,055 |
| 18 | Encompass | $2,231 |
| 19 | Safeco | $2,447 |
| 20 | Titan | $2,630 |
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The Hartford generally has some of the lowest car insurance rates in Aurora at around $859 each year. This is $719 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide would also be considered some of the lowest-priced Aurora, CO car insurance companies.
In the rate table above, if you are currently insured with USAA and switched to The Hartford, you may see yearly savings of roughly $180. Customers with GEICO may save as much as $293 a year, and Nationwide insureds might lower prices by $296 a year.
Remember that these rates are averages across all drivers and vehicles and do not factor in a specific zip code for a Hyundai Sonata. So the insurer that has the lowest price for you may not even be in the top 21 companies in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.
Types of discounts on Aurora insurance
Insurance providers that offer quotes for a Hyundai Sonata may additionally offer rate discounts that can lower rates by 30% or more if you meet certain criteria. A few popular companies and a summarized list of policyholder discounts can be read below.
- State Farm has discounts for Drive Safe & Save, passive restraint, Steer Clear safe driver discount, defensive driving training, accident-free, multiple autos, and safe vehicle.
- American Family offers discounts for early bird, good student, defensive driver, good driver, mySafetyValet, accident-free, and bundled insurance.
- AAA policyholders can earn discounts including good driver, education and occupation, AAA membership discount, good student, pay-in-full, and anti-theft.
- GEICO has savings for five-year accident-free, good student, federal employee, military active duty, and anti-lock brakes.
- Mercury Insurance includes discounts for multi-car, low natural disaster claims, professional/association, multi-policy, location of vehicle, and type of vehicle.
- Farmers Insurance may have discounts that include good student, early shopping, teen driver, homeowner, bundle discounts, and switch companies.
- Progressive offers premium reductions for homeowner, multi-policy, online signing, online quote discount, multi-vehicle, good student, and continuous coverage.
The example below compares premium costs with and without discounts applied. The prices are based on a male driver, a clean driving record, no at-fault accidents, Colorado state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with vehicle safety, homeowner, claim-free, accident-free, passive restraint, and multiple vehicle discounts applied. When these discounts are applied, theamount saved on auto insurance for a Hyundai Sonata is 28% or $760.
Compare quotes and save
Colorado auto insurance rates are impacted by many factors which can significantly increase or decrease the price you pay. Simply improving your credit, moving across town, or having an at-fault accident may generate price changes that can now make some companies cheaper than before.
Not only may your risk profile change, but companies change prices multiple times each year in order to protect their financial rating. Higher than usual claims may result in price increases, while a lower level of claims can result in cheaper Sonata insurance rates.
As an example, the data below shows the company with the cheapest car insurance in Aurora, CO for a 45-year-old female driver with no prior claims, no tickets, and a decent credit rating. When quoting prices based on her current risk profile, The Hartford might quote the most affordable car insurance rates in Aurora at $1,133 per year. This is $445 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide are also included in the top five cheapest Aurora, CO auto insurance companies.
In this next rate comparison, we will give the driver in the first example a claim surcharge, a lower credit rating, and a blemish on her driving record. Due to the fact that every auto insurer has their own formula to set their prices, comparing rates may result in a completely different list of the cheapest car insurance companies in Aurora as shown below.
Auto-Owners now has the lowest price on auto insurance in Aurora with State Farm, American Family, Grange, and USAA completing the list. This example demonstrates why drivers need to compare lots of rates to get the most economical auto insurance quotes for a Hyundai Sonata. Prices are determined by many different factors and can change substantially, so the most economical option when you last compared rates may now be quite expensive.