Being forced to pay for pricey car insurance premiums can drain your budget and put the squeeze on your family's finances. Performing a rate comparison is a smart way to ensure you are getting the best deal.

Insurance quote for Hyundai Sonata in New York CityShockingly, nearly 70% of consumers renewed their policy with the same company for well over three years, and just under half have never compared car insurance rates at all. With the average premium in the United States being $1,847, drivers can cut their rates by $860 a year just by comparing rates, but they don't want to spend time to compare other rate quotes. Big-name insurance companies like Allstate, Progressive and GEICO all claim big savings, bombarding you with ads and it can be hard to see past the corporate glitz and take the time to shop coverage around.

Compare quotes for New York City Hyundai Sonata insurance

Getting a cheap price on Hyundai Sonata insurance can be relatively painless. Consumers just need to spend a few minutes to compare rate quotes to find out which insurance company has affordable New York City auto insurance quotes.

Comparing free rates online is easy and it, makes it a waste of time to call or drive to all the different New York City insurance agencies. Quoting and buying Hyundai Sonata insurance online has made agencies unnecessary unless you want the professional guidance of a local agency. Although you can price shop your coverage online but still have the advice of a local agent.

The following companies are our best choices to provide quotes in New York City, NY. In order to find the cheapest auto insurance in New York, we suggest you compare several of them in order to find the lowest rates.

Hyundai Sonata Insurance Rates in New York City, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $196 $404 $338 $20 $102 $1,060 $88
Sonata GLS 4-Dr Sedan $162 $320 $362 $22 $108 $974 $81
Sonata GLS 4-Dr Sedan $162 $272 $306 $18 $92 $850 $71
Sonata SE 4-Dr Sedan $108 $250 $338 $20 $102 $818 $68
Sonata SE 4-Dr Sedan $108 $250 $314 $18 $94 $784 $65
Sonata Limited 4-Dr Sedan $222 $476 $314 $18 $94 $1,124 $94
Sonata Limited 4-Dr Sedan $162 $338 $338 $20 $102 $960 $80
Get Your Own Custom Quote Go

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific New York City garaging location which can increase or decrease prices greatly.

Deductible comparison

One of the more difficult decisions when buying auto insurance is which comprehensive and collision deductibles to buy. The rates below can help you understand the price difference of buying low and high physical damage coverage deductibles. The first data set uses a $250 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Hyundai Sonata insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $204 $344 $300 $18 $90 $981 $82
Sonata GLS 4-Dr Sedan $204 $344 $300 $18 $90 $981 $82
Sonata GLS 4-Dr Sedan $204 $344 $300 $18 $90 $981 $82
Sonata SE 4-Dr Sedan $204 $406 $300 $18 $90 $1,043 $87
Sonata SE 4-Dr Sedan $204 $406 $300 $18 $90 $1,043 $87
Sonata Limited 4-Dr Sedan $230 $406 $300 $18 $90 $1,069 $89
Sonata Limited 4-Dr Sedan $230 $406 $300 $18 $90 $1,069 $89
Get Your Own Custom Quote Go
Hyundai Sonata insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $126 $216 $300 $18 $90 $750 $63
Sonata GLS 4-Dr Sedan $126 $216 $300 $18 $90 $750 $63
Sonata GLS 4-Dr Sedan $126 $216 $300 $18 $90 $750 $63
Sonata SE 4-Dr Sedan $126 $256 $300 $18 $90 $790 $66
Sonata SE 4-Dr Sedan $126 $256 $300 $18 $90 $790 $66
Sonata Limited 4-Dr Sedan $142 $256 $300 $18 $90 $806 $67
Sonata Limited 4-Dr Sedan $142 $256 $300 $18 $90 $806 $67
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in specific location information which can modify coverage prices significantly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $20 more each month or $240 each year than buying the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 38 months between claims, you would most likely save money if you choose a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $250 deductibles: $85
Average monthly premium for $1,000 deductibles (subtract): - $65
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

One thing to note is that increasing deductibles to lower your rates results in more money out-of-pocket when you have to file a claim. That will require enough money in the bank in the event you have to pay the deductible.

Insurance in New York serves several purposes

Despite the high insurance cost for a Hyundai Sonata in New York City, insurance serves a purpose in several ways.

The benefits of buying insurance more than offset the price you pay, especially when you need to use it. The average driver in New York is overpaying over $820 a year so compare rate quotes at least once a year to ensure rates are inline.

Auto insurance policy discounts you can't miss

The cost of insuring your cars can be expensive, but there could be significant discounts that can dramatically reduce your bill. Certain discounts will be applied when you quote, but lesser-known reductions have to be asked for before you will receive the discount.Save money with discounts

Just know that some credits don't apply the the whole policy. Most only reduce individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, it doesn't quite work that way.

Some of the insurance companies that may offer quotes with most of these discounts include:

Before you buy a policy, ask each company which discounts you may be entitled to. All car insurance discounts may not apply to policies in New York City. To see a list of providers who offer free Hyundai Sonata insurance quotes in New York City, click here.

Are car insurance agents of importance?

Some consumers prefer to go talk to an agent and that is OK! Agents are very good at helping people manage risk and give you someone to call. One of the best bonuses of comparing rates online is you can get the lowest rates and still have a local agent.

Insurance agents in New York CityOnce you complete this form (opens in new window), your information is transmitted to insurance agents in New York City who will give you quotes for your insurance coverage. There is no reason to contact any agents since rate quotes are delivered to you instantly. If you have a need to compare rates from a particular provider, feel free to navigate to their website and give them your coverage information.

Picking a provider needs to be determined by more than just a low price. Before buying a policy in New York City, get answers to these questions.

New York City car insurance agents are either independent or exclusive

If you want to buy insurance from a good insurance agency, you must know there are a couple different agency structures and how they can quote your rates. New York City agents are either independent (non-exclusive) or exclusive. Either type can sell and service insurance coverage, but we need to point out how they differ since it can impact the kind of agent you use.

Exclusive Insurance Agencies

Agents of this type are contracted to one company and some examples include American Family, State Farm, and AAA. They usually cannot provide rate quotes from other companies so you need to shop around if the rates are high. They are very knowledgeable in insurance sales which helps them compete with independent agents.

Listed below is a list of exclusive insurance agents in New York City who may provide you with price quote information.


6501 5th Ave - Brooklyn, NY 11220 - (718) 492-8201 - View Map

Lazarus Alexandrou - State Farm Insurance Agent
3153 Steinway St - Astoria, NY 11103 - (718) 728-2800 - View Map


1206 St Nicholas Ave - New York, NY 10032 - (212) 568-8100 - View Map

More New York City agents

Independent Agents (or Brokers)

Independent insurance agents often have affiliation with several companies so they can quote policies through many different insurance companies and get the cheapest rates. If they find a lower price, they simply switch companies in-house and you can keep the same agent.

When comparing insurance prices, it's a good idea to include price quotes from a few independent agents to have the best price comparison.

Shown below are independent agents in New York City who can help you get comparison quotes.


31 Pell St - New York, NY 10013 - (212) 962-2232 - View Map


145 W 72nd St - New York, NY 10023 - (212) 595-5590 - View Map


1674 Broadway #305 - New York, NY 10019 - (212) 725-7310 - View Map

More New York City agents

If you get good feedback to any questions you may have and a low price estimate, it's a good possibility that you have found an insurance agent that meets the criteria to provide insurance coverage. But keep in mind you are entitled to terminate your policy whenever you choose to so never feel that you are permanently stuck with any particular company for the full policy term.

Shop smart and save

We just presented some good ideas how you can reduce Hyundai Sonata insurance premium rates online in New York City. It's most important to understand that the more providers you compare, the higher your chance of finding cheaper New York City auto insurance quotes. Consumers could even find that the best price on car insurance is with the least-expected company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

Budget-conscious Hyundai Sonata insurance is available from both online companies and from local agencies, so get free New York City auto insurance quotes from both of them so you have a total pricing picture. Some car insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

Even more information is available by following these links: