Cheapest Insurance for a Hyundai Sonata in Hawaii

Your odds of finding cheaper car insurance for a Hyundai Sonata in Hawaii depends upon factors such as the safety rating of your vehicle, whether you have good credit, and physical damage deductibles. Drivers will pay around $910 each year to buy Hyundai Sonata insurance, but that is an estimation based on rates for a 30-year-old single male driver who needs full physical damage coverage and $500 deductibles.

More than likely, you are not exactly 30 years old and possibly not even male, possibly married instead of single, or maybe you had a chargeable driving offense. Even a minor change in rating variables can result in big changes in rate quotes.

Auto insurance is unique to each driver, so your best chance at finding cheap insurance rates for your Hyundai is to make a habit of regularly comparing rates from other companies.

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The trim level of your Hyundai will most likely have an effect on price, so the price you pay to insure a Sonata GLS 4-Dr Sedan will be $74 less than the price to insure the more well-appointed Sonata Limited 4-Dr Sedan trim level, as shown by the rates below.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in vehicle location which can increase or decrease insurance rates considerably.

Trying to find affordable car insurance is challenging, and determining which companies have the best auto insurance rates for a Hyundai Sonata will involve a bit more work.

Each auto insurance company has a unique formula for setting rates, so let’s take a look at the lowest cost auto insurance companies in Hawaii. It’s a good idea to know that Hawaii auto insurance rates are impacted by many things that can increase your annual premium. This price variability is why it is critical to perform an extensive rate comparison to find the cheapest insurance quotes for a Hyundai Sonata. Car insurance prices can be altered by many factors and change frequently, so the most economical company three years ago may now be quite expensive.

Cheapest Insurance Rates for Your Sonata

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USAA quotes some of the cheapest car insurance rates in Hawaii at around $936 a year. State Farm, GEICO, Liberty Mutual, and Progressive also are some of the most economical Hawaii car insurance companies.

As shown in the table above, if you are currently insured with Liberty Mutual and switched to State Farm, you might realize yearly savings of around $388. Customers with Progressive could save as much as $484 a year, and Allstate policyholders might reduce prices by as much as $908 a year.

To find the cheapest insurance for a Hyundai Sonata in Hawaii for your vehicle, click here to get quotes or click several companies below for low rates.

Bear in mind that those estimates are averages across all drivers and vehicles in Hawaii and do not factor in a specific rating modification for a Hyundai Sonata. So the auto insurance company that has the lowest price for you may not even be included in the above rate chart. That point stresses why you need to get rate quotes using your own specific driver and vehicle information.

Should you buy full coverage?

Finding the cheapest insurance for a Hyundai Sonata in Hawaii is important to the majority of vehicle owners, and one of the best ways to reduce the cost of insurance is to not buy comprehensive and collision coverage. The chart below illustrates the difference between car insurance costs with full coverage and liability only. The data is based on no violations or claims, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Averaged for all age groups, comp and collision coverage costs an extra $1,671 per year more than insuring for liability only. That is a large expense which might make you wonder when is the right time to remove full coverage. There is no specific rule for eliminating physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s pretend your vehicle’s replacement cost is $5,500 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,500 after you pay the deductible. If you are paying over $450 annually for physical damage coverage, then you might want to think about dropping full coverage.

How to get discounts on Hawaii car insurance rates

Insurers that sell the cheapest insurance for a Hyundai Sonata in Hawaii may additionally offer special discounts that could potentially reduce rates by 30% or more if you are eligible for them. A few of the larger companies and the discounts they provide are detailed below.

• Progressive may offer discounts for multi-vehicle, online signing, homeowner, continuous coverage, multi-policy, and online quote discount.
• Farmers Insurance includes discounts for homeowner, business and professional, distant student, pay in full, mature driver, multi-car, and youthful driver.
• Farm Bureau policyholders can earn discounts including driver training, multi-vehicle, youthful driver, renewal discount, multi-policy, safe driver, and 55 and retired.
• State Farm offers premium reductions for Steer Clear safe driver discount, multiple autos, multiple policy, Drive Safe & Save, defensive driving training, and student away at school.
• GEICO may have discounts that include multi-vehicle, five-year accident-free, anti-theft, military active duty, and emergency military deployment.
• SAFECO offers discounts including safe driver, teen safe driver, anti-theft, multi-car, homeowner, bundle discounts, and teen safety rewards.
• Liberty Mutual has discounts for newly retired, new graduate, exclusive group savings, new vehicle discount, multi-car, good student, and preferred payment discount.

The diagram below shows the difference between auto insurance rates with and without policy discounts. The premium estimates are based on a male driver, no violations or accidents, Hawaii state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, multiple policy, claim-free, passive restraint, vehicle safety, and homeowner discounts applied. With discounts applied, the the average amount saved on auto insurance for a Hyundai Sonata is 28% or $565.

Find the cheapest insurance for a Hyundai Sonata in Hawaii

Here are a few thrifty solutions that can help Hawaii drivers buy cheaper auto insurance.

• Clean up your credit
• Multi-policy discounts save money
• Do not get traffic citations
• Do not get into accidents that are your fault
• Try paying for small claims out-of-pocket
• Raise comprehensive and collision coverage deductibles
• Shop around once a year for cheaper rates

The final tip is notably critical, as was emphasized in the prior information. Insurance prices in Hawaii adjust often, so don’t be hesitant to buy a policy from a new company if a lower-cost policy is available.

Many drivers tend to have loyalty to a certain company, but it’s not a good idea if it’s costing you hundreds of dollars year after year. In just a few minutes you could compare prices to find cheaper auto insurance for a Hyundai Sonata.