Finding competitive insurance for a Hyundai Sonata in Oklahoma can be pretty simple, but it is dependent upon a lot of rating factors such as driver age, if you have prior claims, and your driving record. Oklahoma drivers will pay on average $1,711 a year for Sonata insurance, but that price is an estimate calculated using a 30-year-old single male driver with full physical damage coverage and $250 deductibles.
If we were betting, you are not 30 years old and maybe not even male, married instead of single, and you may just want the cheapest liability coverage you can find. Having what appears to be a very minor change in the rating criteria used to formulate rates can result in a big discrepancy in the price of a policy.
Auto insurance is not the same for everyone, so the best way to find the most affordable coverage for your Hyundai is to do the rate comparisons yourself.
The trim level of your Sonata will likely have an effect on the annual cost of coverage, so the price you will pay to insure a Sonata GLS 4-Dr Sedan trim level will be $154 cheaper than the insurance cost for the more expensive Sonata Limited 4-Dr Sedan model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sonata GLS 4-Dr Sedan | $396 | $584 | $664 | $40 | $198 | $1,882 | $157 |
| Sonata GLS 4-Dr Sedan | $396 | $584 | $664 | $40 | $198 | $1,882 | $157 |
| Sonata GLS 4-Dr Sedan | $396 | $584 | $664 | $40 | $198 | $1,882 | $157 |
| Sonata SE 4-Dr Sedan | $396 | $688 | $664 | $40 | $198 | $1,986 | $166 |
| Sonata SE 4-Dr Sedan | $396 | $688 | $664 | $40 | $198 | $1,986 | $166 |
| Sonata Limited 4-Dr Sedan | $446 | $688 | $664 | $40 | $198 | $2,036 | $170 |
| Sonata Limited 4-Dr Sedan | $446 | $688 | $664 | $40 | $198 | $2,036 | $170 |
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in Oklahoma City location which can raise or lower premiums noticeably.
Finding out which company quotes the cheapest insurance rates for a Hyundai Sonata calls for a little more effort in order to find the lowest price quote.
Every insurance company has a proprietary method to determine rates, so let’s rank the most affordable insurance companies in Oklahoma City, OK. We do need to point out that Oklahoma City, OK insurance rates are influenced by many factors which can substantially decrease or increase the price you pay. Simply having another birthday, moving to a different location, or getting a driving violation can produce rate changes that may make certain companies much cheaper than others.
Best Auto Insurance Prices for Your Sonata
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Oklahoma Farmers Union | $1,166 |
| 2 | USAA | $1,185 |
| 3 | GEICO | $1,340 |
| 4 | The Hartford | $1,359 |
| 5 | Safe Auto | $1,377 |
| 6 | Farmers | $1,422 |
| 7 | State Farm | $1,583 |
| 8 | Liberty Mutual | $1,797 |
| 9 | Travelers | $1,868 |
| 10 | Mercury | $2,033 |
| 11 | OK Farm Bureau | $2,079 |
| 12 | Home State | $2,128 |
| 13 | MetLife | $2,169 |
| 14 | Shelter | $2,173 |
| 15 | Progressive | $2,245 |
| 16 | Allstate | $2,472 |
| 17 | Safeco | $5,005 |
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Oklahoma Farmers Union offers some of the best car insurance rates in Oklahoma City at around $1,166 a year. This is $801 less than the average price paid by Oklahoma drivers of $1,967. USAA, GEICO, The Hartford, and Safe Auto would also make the list of some of the cheapest Oklahoma City, OK car insurance companies.
In the rate table above, if you are insured with Safe Auto and switched to USAA, you may realize a yearly savings of about $192. Drivers with Farmers could save as much as $237 a year, and State Farm customers might realize rate reductions of up to $398 a year.
Remember that these premiums are averages across all drivers and vehicles and and are not calculated with an exact location for a Hyundai Sonata. So the car insurance company that is most affordable for your situation may not even be in the top 17 companies in the list above. That helps illustrate why you need to quote rates from many companies using your own driver information and specific vehicle type.
Accidents and violations increase rates
In a perfect world, the ideal way to snag affordable insurance rates in Oklahoma for a Sonata is to drive cautiously and not have accidents or get tickets. The chart below demonstrates how traffic citations and fender-benders drive up insurance premiums for each age group. The costs are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
The data in the chart shows the average cost of an auto insurance policy in Oklahoma per year with no violations or accidents is $2,719. Get written up for two speeding tickets and the average cost swells to $3,644, an increase of $925 each year. Next add one accident along with the two speeding tickets and the annual cost of insurance for a Hyundai Sonata increases to an average of $4,579. That’s an increase of $1,860, or $155 per month, just for being a less-than-perfect driver!
Last year’s bargain might be this year’s rip off
Oklahoma City insurance rates are impacted by many things that will increase or decrease the price you have to pay. Getting older, buying a new vehicle, or getting a few speeding tickets can trigger price changes that may make certain companies cheaper than competitors. Additionally, auto insurance companies change premium rates at least once a year to ensure their profitability. An extended period of higher than normal claims may result in higher rates, while a better loss history may produce more affordable Sonata insurance rates.
To illustrate this example, the bar chart below shows the companies that have the cheapest car insurance in Oklahoma City, OK for a 30-year-old female driver with no violations or accidents, and a good credit history. When quoting prices based on her personal profile, Oklahoma Farmers Union might offer the best car insurance rates in Oklahoma City at $1,354 per year. This is $613 less than the average premium paid by Oklahoma drivers of $1,967. USAA, The Hartford, Safe Auto, and Farmers also make the list of the best Oklahoma City, OK auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates a chargeable accident, slightly worse credit, and a few blemishes on her driving record. Due to the fact that every auto insurer has a unique formula to set premium rates, comparing quotes could now result in a different set of cheap Oklahoma City auto insurance companies as shown below.
State Farm now has the cheapest insurance rate in Oklahoma City with USAA, Liberty Mutual, Farmers, and GEICO completing the list. This shows why consumers need to shop around with many companies to find cheap auto insurance rates for a Hyundai Sonata. Prices are calculated by many risk factors and change frequently, so the best option the last time you compared rates may now be quite expensive.