Who Has Cheap Auto Insurance for a Hyundai Sonata in Greensboro?

Finding economical car insurance for a Hyundai Sonata is dependent upon lots of different rating factors such as how you use your vehicle, your credit history, and your driving record. North Carolina drivers will pay around $901 each year to insure their Sonata, but that price is calculated using a 30-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.

When projecting a rate like this, the problem is that you are not 30 and maybe not even a male, single instead of married, or maybe you live in a different area as the quoted rates. This shows why the only real way to find cheap car insurance rates for your Hyundai is to do the rate comparisons yourself.

Compare Hyundai Sonata Insurance Rates

Your vehicle’s trim level will have an impact the cost of coverage, so the price you pay to insure a Sonata GLS 4-Dr Sedan trim level will be $98 cheaper than the cost to insure the higher-end Sonata Limited 4-Dr Sedan model, as shown below.

Hyundai Sonata Insurance Rates in Greensboro, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $214 $386 $282 $16 $84 $982 $82
Sonata GLS 4-Dr Sedan $214 $386 $282 $16 $84 $982 $82
Sonata GLS 4-Dr Sedan $214 $386 $282 $16 $84 $982 $82
Sonata SE 4-Dr Sedan $214 $456 $282 $16 $84 $1,052 $88
Sonata SE 4-Dr Sedan $214 $456 $282 $16 $84 $1,052 $88
Sonata Limited 4-Dr Sedan $242 $456 $282 $16 $84 $1,080 $90
Sonata Limited 4-Dr Sedan $242 $456 $282 $16 $84 $1,080 $90
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in garaging location in Greensboro which can influence premiums significantly.

Determining which companies offer the cheapest insurance rates for a Hyundai Sonata will require a bit more effort than just comparing rates from one or two companies. Each auto insurer uses a different method for determining rates in each state, so let’s look at the rankings for the most affordable insurance companies in North Carolina.

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Cheapest North Carolina auto insurance companies
Rank Company Cost Per Year
1 Utica National $636
2 Progressive $639
3 Liberty Mutual $721
4 Penn National $725
5 GEICO $728
6 NC Farm Bureau $737
7 Titan $759
8 State Farm $772
9 Auto-Owners $878
10 Allied $901
11 National General $908
12 Travelers $909
13 Erie $931
14 Peerless $962
15 MetLife $1,007
16 Nationwide $1,011
17 Unitrin $1,032
18 Safeco $1,044
19 Encompass $1,063
20 Allstate $1,086
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Utica National normally has some of the best car insurance rates in Greensboro at around $636 each year. Progressive, Liberty Mutual, Penn National, and GEICO also qualify as some of the more affordable Greensboro, NC auto insurance companies.

In the above rates, if you are insured with Progressive and switched to Utica National, you could see an annual savings of roughly $3. Insureds with Liberty Mutual may save as much as $85 a year, and Penn National policyholders might lower prices by $89 a year.

To get a fast rate comparison, click here to start your custom quote or visit any of the companies below.

It’s important to note that these policy prices are averages across all types of drivers and the different vehicles they drive and and are not figured with an exact zip code location for a Hyundai Sonata. So the company that fits your situation best may not even be in the list above. That is why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

The illustration below shows how choosing a deductible can influence premium costs when searching for cheap insurance for a Hyundai Sonata. The data assumes a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could lower their policy premium by $314 a year by increasing from a $100 deductible to a $500 deductible, or save $474 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old, could potentially save $700 every year just by using higher deductibles.

If you do decide to increase your deductibles, it is essential to have plenty of discretionary funds to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Why are you paying too much to insure your Sonata?

North Carolina insurance rates are determined by lots of factors that control the cost of having a policy. Turning one year older, increasing liability limits, or getting a driving violation can produce rate changes that can now make some companies cheaper than competitors.

Not only may your risk profile change, but insurance companies change premium rates every year as an adjustment for underwriting gains or losses. Heavy losses may result in a rate increase, while a better loss history can cause cheaper Sonata insurance rates.

The data below shows which companies have the cheapest car insurance in Greensboro, NC for a 45-year-old female driver with a good driving record, no prior claims, and excellent credit. If we look at prices based on her current rating profile, Utica National may offer the most affordable car insurance rates in Greensboro at $734 per year. This is $138 less than the average price paid by North Carolina drivers of $872. Progressive, Liberty Mutual, NC Farm Bureau, and Penn National also make the list of the cheapest Greensboro, NC auto insurance companies.

In this example, we will give the driver in the first chart a chargeable accident, less-than-perfect credit, and a few traffic violations. Since each auto insurance company uses a different method to determining premium rates, analyzing rates could now result in a different ranking of affordable Greensboro car insurance companies as shown below.

GEICO now has the cheapest auto insurance in Greensboro, NC with Titan, Progressive, Auto-Owners, and National General also being competitive. This illustrates why it is critical to take the time to shop around when trying to find the lowest auto insurance quotes for a Hyundai Sonata.

Car insurance prices are calculated by many factors and can increase or decrease at any time, so the most affordable company the last time you checked may now be one of the more expensive options.