Insurance rates Hyundai Sonata in CharlestonDo you need a fast way to compare low-cost Hyundai Sonata insurance in Charleston? Feel like you have an overpriced car insurance policy? You're preaching to the choir because there are lots of Charleston residents who feel the same.

Unbelievable but true, 70% of consumers have been with the same company for more than four years, and nearly the majority have never even compared quotes to find lower-cost rates. Charleston insurance shoppers could save roughly $700 a year just by shopping around, but they don't invest the time required to shop around.

Insurance companies such as GEICO and Progressive all promote huge savings with TV and radio ads and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.

Companies offering Hyundai Sonata insurance in South Carolina

The auto insurance companies shown below provide comparison quotes in Charleston, SC. If multiple companies are listed, we recommend you click on several of them to get the lowest price.

Hyundai Sonata Insurance Rates in Charleston, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $214 $358 $386 $22 $116 $1,096 $91
Sonata GLS 4-Dr Sedan $282 $600 $502 $30 $150 $1,564 $130
Sonata GLS 4-Dr Sedan $204 $368 $362 $22 $108 $1,064 $89
Sonata SE 4-Dr Sedan $140 $322 $404 $24 $122 $1,012 $84
Sonata SE 4-Dr Sedan $300 $524 $506 $30 $152 $1,512 $126
Sonata Limited 4-Dr Sedan $268 $520 $520 $30 $156 $1,494 $125
Sonata Limited 4-Dr Sedan $176 $372 $502 $30 $150 $1,230 $103
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in vehicle garaging location which can affect insurance rates substantially.

Rate comparison of men versus women

The diagram below shows the difference between Hyundai Sonata car insurance rates for male and female drivers. The price estimates are based on no claims or driving citations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Higher deductibles lower rates

One frequently asked question is where to set your physical damage deductibles. The data tables below outline how much more you'll pay when you choose different physical damage coverage deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second data table uses a $500 deductible.

Hyundai Sonata insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $264 $444 $386 $22 $116 $1,257 $105
Sonata GLS 4-Dr Sedan $264 $444 $386 $22 $116 $1,257 $105
Sonata GLS 4-Dr Sedan $264 $444 $386 $22 $116 $1,257 $105
Sonata SE 4-Dr Sedan $264 $524 $386 $22 $116 $1,337 $111
Sonata SE 4-Dr Sedan $264 $524 $386 $22 $116 $1,337 $111
Sonata Limited 4-Dr Sedan $298 $524 $386 $22 $116 $1,371 $114
Sonata Limited 4-Dr Sedan $298 $524 $386 $22 $116 $1,371 $114
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Hyundai Sonata insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $214 $358 $386 $22 $116 $1,096 $91
Sonata GLS 4-Dr Sedan $214 $358 $386 $22 $116 $1,096 $91
Sonata GLS 4-Dr Sedan $214 $358 $386 $22 $116 $1,096 $91
Sonata SE 4-Dr Sedan $214 $422 $386 $22 $116 $1,160 $97
Sonata SE 4-Dr Sedan $214 $422 $386 $22 $116 $1,160 $97
Sonata Limited 4-Dr Sedan $242 $422 $386 $22 $116 $1,188 $99
Sonata Limited 4-Dr Sedan $242 $422 $386 $22 $116 $1,188 $99
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in specific Charleston garaging location which can impact rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $14 more each month or $168 annually than requesting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 18 months between claim filings, you would most likely save money if you choose the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $109
Average monthly premium for $500 deductibles (subtract): - $95
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to note is that raising deductibles means you pay more out-of-pocket when you have a physical damage claim. You will want to have a higher level of savings in the event you have to pay the higher deductible.

Poor driving habits will raise your auto insurance rates

The chart below demonstrates how speeding tickets and at-fault fender-benders can influence Hyundai Sonata auto insurance costs for each age group. The data is based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Insurance discounts help lower rates for Hyundai Sonata insurance in Charleston

Companies offering auto insurance don't list every possible discount in an easy-to-find place, so here is a list some of the best known and also the more inconspicuous credits that you can use to lower your rates.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, you aren't that lucky. Any amount of discount will help lower your premiums.

To locate insurers who offer insurance discounts in South Carolina, click here to view.

Can't I get rate quotes from local Charleston car insurance agents?

Some consumers would prefer to sit down with an agent and often times that is recommended One of the benefits of comparing insurance prices online is you may find cheap car insurance quotes and still buy from a local agent.

Insurance agents in CharlestonTo help locate an agent, after submitting this simple form, the coverage information gets sent to local insurance agents that give free quotes and help you find cheaper coverage. You never need to find an agent on your own as quotes are delivered to you instantly. You can get cheaper car insurance rates without having to waste a lot of time. If you want to get a comparison quote from a specific insurance company, don't hesitate to find their quoting web page and fill out their quote form.

Finding a good provider shouldn't rely on just the price. These are some questions your agent should answer.

The different types of car insurance agents

If you want an insurance agent, you should know the types of insurance agents that differ in how they can insure your vehicles. Car insurance agencies can be classified as either independent or exclusive.

Exclusive Agencies

These agents can only provide pricing for a single company like American Family, State Farm, and Allstate. These agents are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive agents are very knowledgeable on what they offer and that allows them to sell at a higher price point.

Listed below is a short list of exclusive insurance agents in Charleston who may provide you with rate quotes.


571 Folly Rd - Charleston, SC 29412 - (843) 795-4200 - View Map


1715 Sam Rittenberg Blvd - Charleston, SC 29407 - (843) 769-5000 - View Map


2011 Bees Ferry Rd b - Charleston, SC 29414 - (843) 766-1161 - View Map

View more Charleston agents

Independent Insurance Agents

Agents that elect to be independent are normally appointed by many insurers so they can quote policies through lots of different companies and help determine which has the cheapest rates. If they find a cheaper price, the agent simply finds a different carrier and you don't have to do anything.

If you need lower rates, you will definitely want to check rates from a few independent agents for the best price selection.

Listed below are Charleston independent agents who can help you get price quote information.


1144 Folly Rd - Charleston, SC 29412 - (843) 795-8111 - View Map


3353 Rivers Ave - Charleston, SC 29405 - (843) 325-2326 - View Map


3491 Shelby Ray Ct - Charleston, SC 29414 - (843) 763-7525 - View Map

View more Charleston agents

Car insurance savings summarized

The cheapest Hyundai Sonata insurance in Charleston can be bought online and from local insurance agents, so get free Charleston auto insurance quotes from both of them so you have a total pricing picture. There are still a few companies who may not offer rates over the internet and most of the time these smaller companies only sell coverage through independent insurance agents.

We just presented a lot of information how to find affordable Hyundai Sonata insurance in Charleston. It's most important to understand that the more providers you compare, the better your comparison will be. You may even find the biggest savings come from some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

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