How Much is Insurance for a Hyundai Sonata in Kentucky?

We always joke that when we write about car insurance, the word affordable should not appear anywhere in the article as a descriptor for auto insurance rates. Regardless, cheap car insurance for a Hyundai Sonata can be hard to find. Don’t let that discourage you, because we are going to tell you how you can still find auto insurance that works with your budget.

The odds of finding cheaper auto insurance for a Hyundai Sonata in Kentucky hinges on a large number of rating criteria such as if you are married or single, your residence address, and the deductible amount you use. Kentucky drivers on average pay approximately $1,040 a year to insure a Hyundai Sonata, but that amount is a ballpark figure using rate data for a 50-year-old married male with full comprehensive and collision coverage and $100 physical damage deductibles.

The issue with using an average estimated rate is the likelihood you are not 50 years old and maybe not even male, you might be single instead of married, and you might want liability-only or different deductibles. This example demonstrates why the most reliable way to find affordable rates for your Hyundai is to comparison shop your policy at every renewal or at least every couple of years. To start saving now, get free quotes and you can get prices from some of the most affordable companies that offer coverage in Kentucky.

Cheapest Hyundai Sonata Insurance Rates

The trim level of your vehicle has an effect on the annual cost of coverage, so the price you pay to insure a Sonata GLS 4-Dr Sedan trim level will be $104 less than the price to insure the high end Sonata Limited 4-Dr Sedan version, as shown in the table below.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Table data does not factor in specific garaging location which can alter coverage rates greatly.

Kentucky auto insurance company ratings

Selecting a high-quality company can be challenging considering how many companies are available to choose from in Kentucky. The company information in the next section could help you decide which car insurance providers you want to consider when trying to find cheaper insurance for a Hyundai Sonata.

These rankings include the largest companies in America, so companies that focus mainly on Kentucky business are not factored into this list. To compare prices from many more Kentucky auto insurance companies, just click here.

Rate difference between full and liability-only coverage

Finding cheap insurance for a Hyundai Sonata in Kentucky is probably important to the majority of people, and one great way to find cheap insurance is to buy liability only. The diagram below illustrates the comparison of premium costs with liability coverage only compared to full coverage. The data assumes no tickets, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

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If all age groups are averaged, comprehensive and collision coverage on your policy costs an additional $2,153 per year more than insuring for liability only. That amount may make you wonder if paying for full coverage is worth it. There is no definitive rule for dropping comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your vehicle’s claim settlement value is $10,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $9,000 after paying the physical damage deductible. If premium cost is more than $900 a year for physical damage coverage, then it could be time to drop full coverage.

Discounts on cheap insurance for a Hyundai Sonata in Kentucky

Car insurance companies that sell policies for a Hyundai Sonata may also give you rate discounts that can lower rates by as much as 40% or more if you qualify. Larger auto insurance companies and their offered discounts are:

The diagram below illustrates the comparison of insurance costs with and without some available policy discounts. The prices are based on a male driver, no driving violations, no at-fault accidents, Kentucky state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with homeowner, vehicle safety, multiple policy, accident-free, defensive driving course, and marriage discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for a Hyundai Sonata is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3305,2373],[‘Age 30’, 1735,1257],[‘Age 40’, 1695,1227],[‘Age 50’, 1549,1119],[‘Age 60’, 1503,1085],[‘Age 70’, 1861,1337]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Hyundai Sonata’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Hyundai Sonata’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Does Progressive, State Farm, Geico, or Allstate have the cheapest car insurance?

When comparing insurance for a Sonata in Kentucky, four good companies to start with are Progressive, State Farm, Geico, and Allstate. If you combine them together, they insure nearly half of all auto insurance policies in force. The following table points out pricing and service ratings, plus some optional coverages offered by each company.