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

Our staff writers always rib each other than when writing about car insurance, the word cheap should not be used as a descriptor for car insurance rates. Regardless, cheap car insurance for a Hyundai Sonata is not always easy to find. But fear not, because we will teach you how you can quote and buy auto insurance that you can afford to pay for.

Whether or not you can find the best cheap auto insurance for a Hyundai Sonata in Illinois relies on a whole bunch of rating criteria like whether you are married, if you are a frequent claim filer, and driving violations. Drivers on average pay around $1,080 a year to buy Hyundai Sonata insurance, but that policy rate is a valuation using rating data for a 30-year-old single female that purchased full comprehensive and collision coverage and $250 physical damage deductibles.

It’s more than likely you may not be 30 years old (or even female), married instead of single, or maybe you have a couple of speeding tickets. Having what appears to be a very minor change in policy rating data can cause significant differences in price quotes.

Auto insurance requires individual risk assessment, so your best chance at finding affordable rates for your Hyundai is to compare as many rates as possible. In less than five minutes you will be able to see rates from some of the cheapest companies that insure Hyundai vehicles in Illinois.

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Your vehicle’s trim level will likely have an effect on the insurance rate, so the price to insure a Sonata GLS 4-Dr Sedan model will be $102 cheaper than the cost to insure the high end Sonata Limited 4-Dr Sedan trim level, as shown by the rates below.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in vehicle garaging location which can alter prices significantly.

Establishing which companies quote the most affordable car insurance rates for a Hyundai Sonata will involve a little more work than just comparing a company or two. Every auto insurer has a different formula for setting rates, so we will examine the car insurance companies with the overall cheapest rates in Illinois.

It’s a good idea to know that Illinois car insurance rates are influenced by many factors which can substantially change the policy price. Simply having a birthday, moving across town, or getting a reckless driving citation can trigger changes in premium that can now make some companies affordable when they were higher priced.

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The Hartford has some of the best car insurance rates in Illinois at around $746 annually. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also make the cut as some of the best Illinois insurance companies.

As illustrated above, if you currently have a policy with Erie and switched to The Hartford, you might realize a yearly savings of around $141. Customers with Cincinnati Insurance could save as much as $151 a year, and Utica National customers might realize rate reductions of up to $209 a year.

It’s important to note that these policy rates are averages for all drivers and vehicles and and are not figured with a specific rate value for a Hyundai Sonata. So the car insurance company that has the cheapest price for you may not even be in the above rate chart. That underscores the importance of why you need to compare rates from multiple companies using your own driver data and vehicle information.

How violations and accidents impact rates

The easiest way to earn the cheapest car insurance prices for a Sonata is to be an attentive driver and have a clean driving record. The chart below illustrates how speeding tickets and at-fault fender-benders influence annual premium costs for different age groups of insureds. The rates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of car insurance per year with no accidents or violations is $1,186. Factor in one speeding ticket and the average cost jumps to $1,367, an increase of $181 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Hyundai Sonata goes up to an average of $3,091. That’s an increase of $1,906, or $159 per month, just for being a little careless behind the wheel!

Which car insurance company is best?

If you are shopping around for auto insurance, four of the larger companies to compare rates for are State Farm, Progressive, Allstate, and Geico. Combined they have 48.5% of all auto insurance policies in force. All of them offer liability and physical damage protection, but each on has unique features and discounts that policyholders can choose from. The data below breaks down pricing and service ratings, plus some optional coverages that are available.