Who Has Cheap Insurance for a Hyundai Sonata in South Dakota?

Your chances of buying the best cheap car insurance for a Hyundai Sonata in South Dakota is contingent on many rating criteria like whether you are a new or experienced driver, where your vehicle is garaged, and if you have tickets or violations. Drivers pay approximately $1,080 every 12 months to buy Hyundai Sonata insurance, but that policy rate is a projection based on cost data for a 50-year-old single female who needs full physical damage coverage and $100 policy deductibles.

The issue with using an average estimated rate is the likelihood you are not 50 and maybe not even a female, possibly married instead of single, or maybe you want more liability coverage than is required by law in South Dakota. What seems to be a minor change in the factors used to determine rates can produce large changes in the policy rate.

This example demonstrates why your best chance at finding cheap insurance prices for your Hyundai is to put in the effort to do a thorough rate comparison. Do a quick rate comparison now and you can get rates from some of the best insurers available.

View Hyundai Sonata Insurance Rates

The trim level of your vehicle can impact the yearly cost, so the price you will be charged to insure a Sonata GLS 4-Dr Sedan will be $110 less expensive the cost to insure the high end Sonata Limited 4-Dr Sedan version, as shown below.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rates do not factor in specific zip code location which can decrease or increase rates noticeably.

Comparing rates for reasonably-priced auto insurance is difficult, and deciding which company offers the lowest-priced car insurance rates for a Hyundai Sonata will require a bit more work. Every auto insurer uses a slightly different approach to establish rates, so we’ll take a look at the most affordable car insurance companies in South Dakota.

It’s a good idea to know that South Dakota car insurance rates are influenced by many factors that may substantially change the policy price. Improving your credit rating, marrying your spouse, or getting a couple of tickets can trigger changes in premium that can make some companies cheaper in comparison to the competition.

Cheapest Insurance Rates for Your Sonata

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USAA offers some of the cheapest car insurance rates in South Dakota at around $650 each year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Farmers are also some of the most economical South Dakota insurance companies.

As illustrated above, if you are currently insured with Farmers Mutual of Nebraska and switched to Auto-Owners, you could realize yearly savings of upwards of $109. Drivers with Farmers might save as much as $169 a year, and Unitrin policyholders might lower prices by $178 a year.

These premium estimates are averaged for all drivers and vehicles and and are not calculated with a specific rating modification for a Hyundai Sonata. So the company that is best suited for you may not even be included in the chart above. That underscores the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

Get discount South Dakota auto insurance rates

Car insurance companies that offer cheap insurance for a Hyundai Sonata in South Dakota may also offer policy discounts that may potentially lower prices by as much as 30% if you meet certain criteria. A list of companies and some of the premium reductions they offer are detailed below.

• GEICO includes discounts for membership and employees, emergency military deployment, driver training, defensive driver, federal employee, seat belt use, and daytime running lights.
• Mercury Insurance offers discounts for good driver, annual mileage, multi-policy, age of vehicle, type of vehicle, and low natural disaster claims.
• Farmers Insurance offers premium reductions for distant student, mature driver, multi-car, early shopping, good student, business and professional, and switch companies.
• Auto-Owners Insurance may offer discounts for multi-policy, multiple vehicles, teen driver, paid in full, and company car.
• Liberty Mutual has savings for safety features, newly retired, multi-car, multi-policy, and hybrid vehicle.
• SAFECO may include discounts for teen safe driver, anti-theft, homeowner, safe driver, drive less, anti-lock brakes, and multi-car.
• Progressive offers discounts including online signing, online quote discount, good student, continuous coverage, multi-policy, and multi-vehicle.
• USAA policyholders can earn discounts including safe driver, good student, annual mileage, vehicle storage, defensive driver, military installation, and loyalty savings.

The information below shows the difference between auto insurance rates with and without some available policy discounts. The information is based on a female driver, no accidents or driving violations, South Dakota state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, homeowner, defensive driving course, claim-free, accident-free, and marriage discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for a Hyundai Sonata is 28% or $595.

Allstate vs Geico vs Progressive vs State Farm

When buying car insurance, four of the best places to start are Allstate, Geico, Progressive, and State Farm. The following table points out pricing and service ratings, as well as optional policy coverages that are available for buyers.