How Much Does Insurance Cost for a Hyundai Sonata in Oregon?

Our content editors always give us grief that when writing about car insurance, the word “cheap” should never be used anywhere to describe car insurance rates. Regardless, cheap auto insurance for a Hyundai Sonata does not exist. Don’t get your dauber down, because there may be ways you can quote and buy car insurance that fits into your budget.

The odds of finding cheap car insurance for a Hyundai Sonata in Oregon relies on a complicated formula that considers factors such as how long your commute is, the condition of your credit, and if you have a clean driving record. Drivers in Oregon pay on average $1,150 a year to insure a Sonata, but that is based on rates for a 30-year-old married female driver who requires full coverage including both comprehensive and collision and $100 policy deductibles.

Chances are that you are not 30 and maybe not even a female, maybe you are single instead of married, or maybe you have a couple of speeding tickets. Different coverage needs are the reason why your best shot at finding cheap insurance rates for your Hyundai is to put in the effort to do a thorough rate comparison. To start saving now, get free quotes and you will receive prices from the best companies that offer coverage in Oregon.

Compare Hyundai Sonata Insurance Rates

The trim level of your Hyundai will likely have an effect on the coverage cost, so the rate you will pay to insure a Sonata GLS 4-Dr Sedan will be $124 less than the cost to insure the more expensive Sonata Limited 4-Dr Sedan trim level, as shown in the table below.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price information does not factor in specific garaging location which can influence premium rates significantly.

Locating low-priced insurance is confusing at best, and figuring out which company quotes the cheapest auto insurance rates for a Hyundai Sonata will take even more shopping around. Each auto insurer has their own process to set premium rates, so to begin we’ll rank the overall cheapest auto insurance companies in Oregon.

Cheapest Insurance Rates for Your Sonata

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Grange has some of the best car insurance rates in Oregon at around $708 a year. Oregon Mutual, Country, Travelers, and USAA would also make the list of some of the cheaper Oregon insurance companies.

As illustrated above, if you are a policyholder with USAA and switched to Oregon Mutual, you could earn yearly savings of in the neighborhood of $142. Policyholders with State Farm might save as much as $233 a year, and GEICO customers might lower prices by up to $316 a year.

Understand that those premiums are averaged for all types of insureds and vehicles and do not factor in a specific rating modification for a Hyundai Sonata. So the car insurance company that can offer you the best price may not even be included in the rate chart shown above. That helps illustrate why you need to get rate quotes using your own specific driver and vehicle information.

Drive safe and save

The best way to score the best auto insurance rates for a Sonata is to pay attention while driving and avoid at-fault accidents and violations. The example below illustrates how violations and at-fault claims increase insurance prices for each different age category. The data assumes a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

In the previous chart, the average cost of auto insurance in Oregon per year with no violations or accidents is $2,092. Get two speeding tickets and the average cost hikes up to $2,896, an increase of $804 each year. Now add one accident along with the two speeding tickets and the annual cost of auto insurance for a Hyundai Sonata jumps again to an average of $3,722. That’s an increase of $1,630, or $136 per month, just for being a less-than-perfect driver!

The example below illustrates how your choice of deductibles can change insurance costs when researching cheap insurance for a Hyundai Sonata. The data assumes a married male driver, comp and collision included, and no discounts are taken into consideration.

The chart above illustrates that a 40-year-old driver could reduce rates by $300 a year by increasing from a $100 deductible to a $500 deductible, or save $454 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, could save up to $1,012 each year just by using higher deductibles.

If you do decide to increase your deductibles, it is necessary to have enough savings set aside to allow you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.