Finding economical coverage for a Hyundai Sonata hinges on a complicated rating formula that uses factors such as annual vehicle mileage, whether you are claim-free, and your choice of physical damage deductibles. Drivers in Colorado will pay around $1,201 per year for Sonata insurance, but that is an estimate calculated using a 30-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.

The issue with using an average estimated rate is the likelihood you're not a 30-year-old male, possibly married instead of single, or maybe you prefer higher deductibles. Each driver's needs are different, and that demonstrates why the only real way to find cheap car insurance rates for your Hyundai is to compare as many rates as you can. To cut your rates now, get a free quote and you will receive prices from the best companies around.

Cheapest Hyundai Sonata Insurance Rates

Your vehicle's trim level tends to have a direct effect on the annual cost of coverage, so the price you will pay to insure a Sonata GLS 4-Dr Sedan will be $98 cheaper than the cost to insure the more expensive Sonata Limited 4-Dr Sedan trim level, as demonstrated by the prices below.

Hyundai Sonata Insurance Rates in Colorado
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $252 $368 $520 $30 $156 $1,326 $111
Sonata GLS 4-Dr Sedan $252 $368 $520 $30 $156 $1,326 $111
Sonata GLS 4-Dr Sedan $252 $368 $520 $30 $156 $1,326 $111
Sonata SE 4-Dr Sedan $252 $434 $520 $30 $156 $1,392 $116
Sonata SE 4-Dr Sedan $252 $434 $520 $30 $156 $1,392 $116
Sonata Limited 4-Dr Sedan $284 $434 $520 $30 $156 $1,424 $119
Sonata Limited 4-Dr Sedan $284 $434 $520 $30 $156 $1,424 $119
Get Your Own Custom Quote Go

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Table data does not factor in specific Colorado garaging location which can alter coverage prices greatly.

Insuring your vehicle with the right auto insurance provider can be rather challenging considering how many different insurance companies sell coverage in Colorado. The company rank data listed below can help you select which providers you want to consider comparing prices from.

These rankings are only made up of companies with a nationwide focus, so companies that only write business in Colorado or surrounding areas are not taken into consideration for this list. If you'd like to compare prices from the most competitive companies in Colorado, click this link.

Top 10 Large Auto Insurers in Colorado Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. The General
  5. Progressive
  6. Allstate
  7. AAA Insurance
  8. American Family
  9. Nationwide
  10. Travelers

Top 10 Large Auto Insurers in Colorado Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA Insurance - 91%
  4. Nationwide - 90%
  5. State Farm - 90%
  6. The Hartford - 89%
  7. GEICO - 89%
  8. Allstate - 88%
  9. 21st Century - 88%
  10. The General - 88%

Top Companies for Hyundai Sonata Insurance in Colorado

Cautious drivers save money

The best way to receive low auto insurance premiums for a Sonata is to be a cautious driver and not receive tickets or have accidents. The chart below demonstrates how citations and at-fault claims can raise premium costs for different insured age categories. The premiums assume a single male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

In the chart above, the average cost of auto insurance in Colorado per year with no violations or accidents is $1,872. Factor in one speeding ticket and the average cost hikes up to $2,114, an increase of $242 each year. Now get two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Hyundai Sonata in Colorado goes up to an average of $4,436. That's an increase of $2,564, or $214 per month, just for not driving responsibly!

How to get discounts on Colorado insurance rates

Insurance companies that offer quotes for a Hyundai Sonata may also give you special discounts that could reduce prices by as much as 30% if you meet eligibility requirements. Popular auto insurance companies and the discounts they provide include:

The chart below illustrates the difference between premium costs with and without policy discounts. Data assumes a male driver, no claims or violations, Colorado state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, multiple vehicle, multiple policy, homeowner, anti-theft, and marriage discounts applied. With discounts applied, the average amount saved each year on auto insurance for a Hyundai Sonata is 28% or $750.

How to find economical car insurance for a Hyundai Sonata

The list below details some penny-pinching ideas that can help you find more affordable auto insurance.

The last item on the list is particularly significant, as we hit on in this write-up. Prices charged by car insurance companies can be modified anytime, so you should be ready to change to a new company if a more affordable rate is found. Many drivers prefer to stick with one company, but it isn't a good idea if that inflexibility results in costing you lots of money. In just a couple of minutes you could shop around and find cheaper insurance for a Hyundai Sonata.